Form 5500 · Employee benefit plan · WILMINGTON, DE
ASHLAND INC.
The filing calls this plan THE ASHLAND GROUP BENEFIT PLAN.
Public Form 5500 records show how ASHLAND INC. of WILMINGTON, DE, a corporate management employer, structures its employee benefits. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-2587835 · plan 501 · plan year 2025, filed Jul 27, 2026
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203 other employer plans in Delaware 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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.
Benefits declared on this filing
Dental: the largest of the 2 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 1 of 2,220 participants (under 0.1%) on Schedule A.
Also declared: prepaid legal, severance, death benefits, 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 13 insured contracts covering health, dental, vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 1,889 people.
Reported premium across the insured contracts is $3,787,039, with $143,623 in disclosed broker commissions — about 3.8% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS LLC is the broker of record on 4 of the 13 contracts; the rest name a different broker or none.
12 carriers appear on the filing, including THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, TRANSAMERICA PREMIER LIFE INSURANCE COMPANY, VISION SERVICE PLAN and CONTINENTAL AMERICAN INSURANCE COMPANY. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 1,889 | Jan 1, 2026 | $2,188,358 | $82,137 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,186 | Jan 1, 2026 | $683,688 | $25,154 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 212 | Jan 1, 2026 | $120,288 | $16,180 |
| AFLAC | — | 59 | Jan 1, 2026 | $90,811 | $9,982 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 1,355 | Jan 1, 2026 | $17,990 | $5,397 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Vision | 239 | Jan 1, 2026 | $10,639 | $4,773 |
| TRANSAMERICA PREMIER LIFE INSURANCE COMPANY | Health | 233 | Jan 1, 2026 | $372,874 | $0 |
| VISION SERVICE PLAN | Vision | 1,025 | Jan 1, 2026 | $204,310 | $0 |
| METLIFE LEGAL PLANS | — | 236 | Jan 1, 2026 | $52,270 | $0 |
| FEI BEHAVIORIAL HEALTH, INC. | — | 1,396 | Jan 1, 2026 | $22,373 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 1 | Jan 1, 2026 | $14,640 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 102 | Feb 12, 2025 | $7,629 | $0 |
| DENTAL SERVICES ORGANIZATION, LLC | Dental | 0 | Jan 1, 2026 | $1,169 | $0 |
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.
Other plans filed by this employer
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Renewal calendar
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