Form 5500 · Employee benefit plan · GALLATIN, TN
ASSOCIATED PACKAGING, INC.
The filing calls this plan ASSOCIATED PACKAGING, INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how ASSOCIATED PACKAGING, INC. of GALLATIN, TN, a wholesale trade employer, structures its employee benefits. Its broker of record is BROWN AND BROWN OF TENNESSEE, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1018129 · plan 501 · plan year 2025, filed Dec 23, 2025
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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
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 235 people.
Reported premium across the insured contracts is $2,061,974, with $48,172 in disclosed broker commissions — about 2.3% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
BROWN AND BROWN OF TENNESSEE, INC. is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, UNITED OF OMAHA LIFE INSURANCE COMPANY and TELADOC HEALTH, INC.. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 185 | Jul 1, 2025 | $166,009 | $16,448 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 103 | Jul 1, 2025 | $61,563 | $9,850 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 110 | Jul 1, 2025 | $48,881 | $7,332 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 137 | Jul 1, 2025 | $36,143 | $5,422 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 12 | Jul 1, 2025 | $19,984 | $3,997 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 31 | Jul 1, 2025 | $12,527 | $2,505 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 17 | Jul 1, 2025 | $8,038 | $1,608 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 245 | Jul 1, 2025 | $10,102 | $1,010 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 235 | Jul 1, 2025 | $1,692,907 | $0 |
| TELADOC HEALTH, INC. | — | 113 | Jul 1, 2025 | $5,820 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00632936. For the contract year on this filing, the carrier reported $1,692,907 in premium earned and $1,760,544 in claims incurred. Dividing one by the other gives 104%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00632936 reported $58,720 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.
Reported to OSHA
Reported to OSHA for 2025: 355 employees, 5 recordable cases, 144 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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