MICHAEL AND SON SERVICES INC WELFARE BENEFIT PLAN
MICHAEL AND SON SERVICES INC
Fully-insured — on this filing, the benefits are provided through an insurance contract (the filer marked the insurance box and not the general-assets or trust boxes). An insurer bears the claims risk; the employer pays premiums.
This describes the whole filing's benefit arrangement (Form 5500 line 9b); this filing does not report a standalone health benefit (code 4A) — see the benefit list below. To confirm how YOUR coverage is funded, read the plan's Summary Plan Description (SPD) or the original DOL EFAST filing.
What this means for you
A fully-insured benefit is backed by an insurance company, so your state's insurance law generally does apply on top of federal ERISA — your state insurance commissioner's complaint and external-review process is generally available to you if a claim is denied.
General information about how ERISA plan funding affects which rules apply — not legal advice. Your rights depend on your specific plan and benefit.
- Sponsor (employer)
- MICHAEL AND SON SERVICES INC
- Sponsor EIN
- 54-1482298
- Plan number
- 503
- Total participants (BOY)
- 389
- Plan administrator
- MICHAEL AND SON SERVICES INC (same as sponsor)
- Location filed
- ALEXANDRIA, VA
Benefits reported on this filing
The Form 5500 welfare benefit codes (line 8b) the employer marked. A single filing commonly bundles several.
- 4B Life insurance
- 4D Dental
- 4E Vision
- 4F Temporary disability (accident & sickness)
- 4H Long-term disability
- 4Q Other
What this is — and isn't
This page reproduces a recorded ERISA filing: what MICHAEL AND SON SERVICES INC reported to the U.S. Department of Labor on Form 5500 for plan year 2023. The funding label is derived from the employer's own line-9b boxes. Every figure is shown as filed and may include filer data-entry errors (a participant count, for instance, can be implausibly large if mistyped); we reproduce the record rather than correct it. It is not a rating of the plan, not legal or benefits advice, and not a substitute for the plan's Summary Plan Description. For your specific coverage and current details, contact the plan administrator or read the SPD; to verify this record, search the original filing at DOL EFAST.
Structured facts: /plans/michael-and-son-services-inc-michael-and-son-services-inc-welfare-benefit-plan-541482298-503.jsonld