Form 5500 · Employee benefit plan · WINCHESTER, VA
WESTMINSTER CANTERBURY OF WINCHESTER INC.
The filing calls this plan WESTMINSTER CANTERBURY OF WINCHESTER INC. EMPLOYEE BENEFITS PLAN.
WESTMINSTER CANTERBURY OF WINCHESTER INC. of WINCHESTER, VA is a 213-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is JAMES A SCOTT & SON INC. Coverage is written through QBE INSURANCE and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-1266582 · plan 501 · plan year 2025, filed May 7, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with QBE INSURANCE, covers 155 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,105,617, with $28,589 in disclosed broker commissions — about 2.6% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
JAMES A SCOTT & SON INC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Health, Life, Disability | 205 | Oct 1, 2025 | $150,073 | $24,571 |
| RELIANCE MATRIX | Dental, Vision | 157 | Oct 1, 2025 | $132,997 | $3,887 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 9 | Oct 1, 2025 | $1,679 | $131 |
| QBE INSURANCE | Stop-loss | 155 | Oct 1, 2025 | $820,868 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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