Form 5500 · Employee benefit plan · SAINT ALBANS, VT
A.N. DERINGER
The filing calls this plan A.N. DERINGER HEALTH & WELFARE BENEFIT PLAN.
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 2 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 · plan year 2025, filed Jun 22, 2026
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184 other employer plans in Vermont 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
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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.
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 9 insured contracts covering health, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 382 people.
The filing declares health, vision, life, disability and dental. Dental appears 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 one of the 3 contracts here that do not say what they cover.
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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | Jan 1, 2026 | $52,702 | $9,613 |
| STANDARD INSURANCE COMPANY | Disability | 522 | Jan 1, 2026 | $142,039 | $5,412 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | Jan 1, 2026 | $22,349 | $4,059 |
| STANDARD INSURANCE COMPANY | Life | 521 | Jan 1, 2026 | $302,844 | $3,810 |
| STANDARD INSURANCE COMPANY | Disability | 521 | Jan 1, 2026 | $88,776 | $3,766 |
| VISION SERVICE PLAN | Vision | 480 | Jan 1, 2026 | $45,049 | $3,239 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | Jan 1, 2026 | $17,471 | $2,375 |
| STANDARD INSURANCE COMPANY | Health | 0 | Jan 1, 2026 | $8,224 | $1,570 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 382 | Jan 1, 2026 | $6,170,856 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 168316. For the contract year on this filing, the carrier reported $142,039 in premium earned and $182,084 in claims incurred. Dividing one by the other gives 128%.
STANDARD INSURANCE COMPANY, contract 168316. For the contract year on this filing, the carrier reported $302,844 in premium earned and $155,507 in claims incurred. Dividing one by the other gives 51%.
STANDARD INSURANCE COMPANY, contract 168316. For the contract year on this filing, the carrier reported $88,776 in premium earned and $92,764 in claims incurred. Dividing one by the other gives 104%.
- STANDARD INSURANCE COMPANY, contract 168316 reported $49,521 in retention.
- STANDARD INSURANCE COMPANY, contract 168316 reported $134,211 in retention.
- STANDARD INSURANCE COMPANY, contract 168316 reported $41,654 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.
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