Form 5500 · Employee benefit plan · CRANBURY, NJ
ABEL HR, INC.
The filing calls this plan ABEL HR, INC. HEALTH INSURANCE PLAN.
Public Form 5500 records show how ABEL HR, INC. of CRANBURY, NJ, a administrative and support services employer, structures its employee benefits. Its broker of record is SUMMIT FINANCIAL GROUP. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-3163382 · plan 501 · plan year 2025, filed May 15, 2026
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44 other employer plans in New Jersey have policy years ending in October. 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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
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 6 insured contracts covering health, dental, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 2,955 people.
Reported premium across the insured contracts is $21,021,096, with $274,606 in disclosed broker commissions — about 1.3% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
SUMMIT FINANCIAL GROUP is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, FLAGSHIP HEALTH SYSTEMS and SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 5,744 | Nov 1, 2025 | $1,213,931 | $186,528 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 1,937 | Nov 1, 2025 | $1,069,931 | $79,968 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 3,240 | Nov 1, 2025 | $476,981 | $7,443 |
| FLAGSHIP HEALTH SYSTEMS | Dental | 74 | Nov 1, 2025 | $20,844 | $632 |
| SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | Health, Dental | 74 | Nov 1, 2025 | $521 | $35 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 2,955 | Nov 1, 2025 | $18,238,888 | $0 |
Premium and claims on this contract
FLAGSHIP HEALTH SYSTEMS, contract 09284. For the contract year on this filing, the carrier reported $20,844 in premium earned and $13,654 in claims incurred. Dividing one by the other gives 66%.
- FLAGSHIP HEALTH SYSTEMS, contract 09284 reported $4,169 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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