Form 5500 · Employee benefit plan · RICHMOND, VA
ALTRIA CLIENT SERVICES LLC
The filing calls this plan MEDICAL, DENTAL AND RETIREE LIFE BENEFITS PLAN FOR SALARIED EMPLOYEES.
ALTRIA CLIENT SERVICES LLC of RICHMOND, VA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Coverage is written through HARTFORD LIFE AND ACCIDENT. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-2929146 · plan 502 · plan year 2024, filed Aug 22, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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
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 $8,683,034; 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
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life | 4,513 | Jan 1, 2025 | $8,664,011 | $0 |
| HARTFORD LIFE AND ACCIDENT | Life | 67 | Jan 1, 2025 | $19,023 | $0 |
Premium and claims on this contract
HARTFORD LIFE AND ACCIDENT, contract 807900G. For the contract year on this filing, the carrier reported $8,664,011 in premium earned and $11,043,416 in claims incurred. Dividing one by the other gives 127%.
- HARTFORD LIFE AND ACCIDENT, contract 807900G reported $1,171,921 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.
Reported to OSHA
Reported to OSHA for 2025: 1,497 employees, 2 recordable cases, 3 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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