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Form 5500 · Employee benefit plan · RICHMOND, VA

ALTRIA CLIENT SERVICES LLC

The filing calls this plan THE MEDICAL AND LIFE BENEFITS PLAN FOR HOURLY RETIREES.

Public Form 5500 records show how ALTRIA CLIENT SERVICES LLC of RICHMOND, VA, a manufacturing employer, structures its employee benefits. Coverage is written through HARTFORD LIFE AND ACCIDENT. The plan's most recent policy period ended in December.

Benefits broker of record
Not disclosed
Insurance carrier
HARTFORD LIFE AND ACCIDENT
Policy year ends
Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-2929146 · plan 533 · plan year 2024, filed Oct 6, 2025

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How this plan is funded

Self-funded as reported

The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.

A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.

All participants at the start of the year
6,141
Active at start of year
0
Active at end of year
0
Disclosed commissions
$0
Typical renewal
January 1

Benefits declared on this filing

Healthdeclared, not on Schedule A
Dentaldeclared, not on Schedule A
Visiondeclared, not on Schedule A
Lifeinsured — HARTFORD LIFE AND ACCIDENT6,002 of 6,141 participants (98%) on the largest contract
Disabilitydeclared under plan 531

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

All 2 insured contracts are life coverage with HARTFORD LIFE AND ACCIDENT.

The filing declares life, health, dental and vision. Health, dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.

Reported premium is $6,647,092; the filing discloses no broker commission on these contracts.

The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.

No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
HARTFORD LIFE AND ACCIDENTLife6,002Jan 1, 2025$6,156,750$0
HARTFORD LIFE AND ACCIDENTLife1,731Jan 1, 2025$490,342$0

Premium and claims on this contract

HARTFORD LIFE AND ACCIDENT, contract 807900G. For the contract year on this filing, the carrier reported $6,156,750 in premium earned and $6,171,338 in claims incurred. Dividing one by the other gives 100%.

  • HARTFORD LIFE AND ACCIDENT, contract 807900G reported $790,876 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.

See the filing at the Department of Labor

Administrator and service providers

CIGNA HEALTH AND LIFE INSURANCE CO
Claims processing · Contract administrator · EIN 59-1031071
$1,582,556
paid directly by the plan
PRICEWATERHOUSECOOPERS LLP
Accounting and audit · EIN 13-4008324
$140,000
paid directly by the plan
PACIFIC INVESTMENT MGMT CO LLC
INVESTMENT MANAGER · EIN 33-0629048
$134,807
paid directly by the plan
JPMORGAN CHASE BANK NA
Custodian · Investment advisory · EIN 13-4994650
$127,055
paid directly by the plan
LYRA HEALTH
CONTRACT ADMINISTRATOR · EIN 47-2935915
$114,742
paid directly by the plan
WILLIS TOWERS WATSON US LLC
ACTUARY · EIN 53-0181291
$59,900
paid directly by the plan
STATE STREET GLOBAL ADVISOR TRUST
Custodian · EIN 81-4017137
$10,004
paid directly by the plan
ANDERSEN TAX LLC
Accounting and audit · EIN 26-1437743
$5,500
paid directly by the plan

Named on Schedule C of this filing. We publish company names only.

Reported to OSHA

Reported to OSHA for 2025: 1,497 employees, 2 recordable cases, 3 days away from work.

EmployeesThe company's own average for the year
1,497
Hours worked
3,137,253
Recordable cases
2
Days away from work
3
Establishments filed under this EIN
2

Source: OSHA Injury Tracking Application establishment data, 2025.

Money the plan held and paid out

Plan assets at year end
$90,544,773
Paid out in benefits
$30,475,113
Paid to insurance carriersSchedule H, line 2e(2)
$7,405,392
Independent accountantEIN 13-4008324
PRICEWATERHOUSECOOPERS LLP
Accountant's opinion (Schedule H, line 3a)
Unmodified
Audit fee
$140,000

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

Other plans filed by this employer

plan 502Insured benefit plan · 2 Schedule A contractsRenews ~Jan 1plan 503Insured benefit plan · 2 Schedule A contractsRenews ~Jan 1Altria Voluntary Benefits PlanInsured benefit plan · 2 Schedule A contractsRenews ~Jan 1plan 521Insured benefit plan · 2 Schedule A contractsRenews ~Jan 1Business Travel Accident Insurance PlanInsured benefit plan · 1 Schedule A contractRenews ~Jan 1Altria Disability PlanInsured benefit plan · 1 Schedule A contractRenews ~Jan 1Altria Retirement PlanForm 5500 filing · no insured Schedule A contractsplan 002Form 5500 filing · no insured Schedule A contractsplan 534Form 5500 filing · no insured Schedule A contractsplan 509Form 5500 filing · no insured Schedule A contractsAltria Severance Pay PlanForm 5500 filing · no insured Schedule A contractsplan 514Form 5500 filing · no insured Schedule A contractsplan 009Form 5500 filing · no insured Schedule A contractsplan 529Form 5500 filing · no insured Schedule A contracts

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