Form 5500 · Employee benefit plan · WILMINGTON, DE
AUDITBOARD, INC.
The filing calls this plan AUDITBOARD, INC. EMPLOYEE HEALTH AND WELFARE BENEFITS PLAN.
Public Form 5500 records show how AUDITBOARD, INC. of WILMINGTON, DE, a professional services employer, structures its employee benefits. Its broker of record is SEQUOIA BENEFITS & INS SVCS LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-1299245 · plan 501 · plan year 2025, filed May 12, 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
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 1,376 people.
Reported premium across the insured contracts is $8,506,882, with $629,994 in disclosed broker commissions — about 7.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
SEQUOIA BENEFITS & INS SVCS LLC is the broker of record on 3 of the 10 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC., UNUM LIFE INSURANCE COMPANY OF AMERICA and VISION SERVICE PLAN. 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 | 1,376 | Jan 1, 2026 | $6,456,294 | $458,564 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 741 | Jan 1, 2026 | $679,855 | $72,915 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 118 | Jan 1, 2026 | $803,235 | $46,637 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 258 | Jan 1, 2026 | $76,605 | $17,532 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 189 | Jan 1, 2026 | $102,657 | $15,399 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 32 | Jan 1, 2026 | $241,710 | $13,810 |
| VISION SERVICE PLAN | Vision | 642 | Jan 1, 2026 | $79,945 | $4,003 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 40 | Jan 1, 2026 | $2,824 | $1,103 |
| FIRST UNUM LIFE INSURANCE COMPANY | Life | 2 | Jan 1, 2026 | $128 | $31 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision, Life | 5 | Jan 1, 2026 | $63,629 | $0 |
Premium and claims on these contracts
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3346012. For the contract year on this filing, the carrier reported $6,456,294 in premium earned and $6,757,304 in claims incurred. Dividing one by the other gives 105%.
VISION SERVICE PLAN, contract 40157261. For the contract year on this filing, the carrier reported $79,945 in premium earned and $63,701 in claims incurred. Dividing one by the other gives 80%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3346012 reported $1,323,305 in retention.
- VISION SERVICE PLAN, contract 40157261 reported $19,193 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
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