Form 5500 · Employee benefit plan · WABASH, IN
WHITE'S RESIDENTIAL AND FAMILY SERVICES, INC.
The filing calls this plan WHITE'S RESIDENTIAL AND FAMILY HEALTH INSURANCE PLAN.
WHITE'S RESIDENTIAL AND FAMILY SERVICES, INC. of WABASH, IN files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through HIGHMARK LIFE & CASUALTY GROUP and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 35-0883520 · plan 501 · plan year 2025, filed Jul 6, 2026
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1,291 other employer plans in Indiana have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 vision, life, disability and stop-loss; the largest, with HIGHMARK LIFE & CASUALTY GROUP, covers 229 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,140,697 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $1,282,198, with $8,891 in disclosed broker commissions — about 0.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Vision, Life, Disability | 289 | Jan 1, 2026 | $102,713 | $8,578 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 10 | Jan 1, 2026 | $2,943 | $313 |
| HIGHMARK LIFE & CASUALTY GROUP | Stop-loss | 229 | Jan 1, 2026 | $1,140,697 | $0 |
| TOKIO MARINE | — | 289 | Jan 1, 2026 | $35,845 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 173387. For the contract year on this filing, the carrier reported $102,713 in premium earned and $141,009 in claims incurred. Dividing one by the other gives 137%.
- STANDARD INSURANCE COMPANY, contract 173387 reported $55,915 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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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Renewal calendar
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