Form 5500 · Employee benefit plan · SAN ANTONIO, TX
ZACHRY HOLDINGS, INC.
The filing calls this plan ZACHRY HOLDINGS, INC. HEALTH AND WELFARE PLAN FOR ACTIVE EMPLOYEES.
ZACHRY HOLDINGS, INC. of SAN ANTONIO, TX spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-1256814 · plan 550 · plan year 2024, filed Aug 6, 2025
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4,208 other employer plans in Texas 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
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Health: the largest of the 3 insured health contracts, with PAN-AMERICAN LIFE INSURANCE COMPANY, covers 672 of 22,234 participants (3%) on Schedule A.
Also declared: death benefits, 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.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 9,741 people.
Reported premium across the insured contracts is $16,290,485, with $1,274,393 in disclosed broker commissions — about 7.8% 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.
LOCKTON COMPANIES, LLC is the broker of record on 3 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY, PAN-AMERICAN LIFE INSURANCE COMPANY and ALAMO HEIGHTS PHYSICIAN - MY PERSONAL PHYSICIAN PA. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 9,741 | Jan 1, 2025 | $7,699,941 | $702,041 |
| STANDARD INSURANCE COMPANY | Life, Disability | 9,200 | Jan 1, 2025 | $6,745,750 | $352,766 |
| PAN-AMERICAN LIFE INSURANCE COMPANY | Health, Life | 672 | Jan 1, 2025 | $1,688,402 | $219,586 |
| ALAMO HEIGHTS PHYSICIAN - MY PERSONAL PHYSICIAN PA | Health | 13,437 | Jun 1, 2024 | $138,164 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 1 | Jan 1, 2025 | $9,458 | $0 |
| ACENTRA HEALTH | — | 13,437 | Jan 1, 2025 | $8,770 | $0 |
| HARTFORD FIRE INSURANCE COMPANY | — | 13,437 | Jan 1, 2025 | — | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 646909. For the contract year on this filing, the carrier reported $6,702,890 in premium earned and $3,644,403 in claims incurred. Dividing one by the other gives 54%.
- STANDARD INSURANCE COMPANY, contract 646909 reported $3,851,433 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
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