Form 5500 · Employee benefit plan · SAINT ALBANS, VT
A.N. DERINGER
A.N. DERINGER of SAINT ALBANS, VT is a 534-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0117050 · plan 504 · as of Aug 2026
Plan brief
Schedule A lists 9 insured contracts covering health, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 382 people.
Reported premium across the insured contracts is $6,850,310, with $33,844 in disclosed broker commissions — about 0.5% 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.
DIGITAL INSURANCE INC. is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
4 carriers appear on the filing — CIGNA HEALTH AND LIFE INSURANCE COMPANY, STANDARD LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY and VISION SERVICE PLAN — with CIGNA HEALTH AND LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | December | $52,702 | $9,613 |
| STANDARD INSURANCE COMPANY | Disability | 522 | December | $142,039 | $5,412 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | December | $22,349 | $4,059 |
| STANDARD LIFE INSURANCE COMPANY | Life | 521 | December | $302,844 | $3,810 |
| STANDARD INSURANCE COMPANY | — | 521 | December | $88,776 | $3,766 |
| VISION SERVICE PLAN | Vision | 480 | December | $45,049 | $3,239 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | December | $17,471 | $2,375 |
| STANDARD INSURANCE COMPANY | — | 0 | December | $8,224 | $1,570 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 382 | December | $6,170,856 | $0 |
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