Form 5500 · Employee benefit plan · ST. LOUIS, MO
BAYER CORPORATION C/O HR OPERATIONS DEPARTMENT
The filing calls this plan BAYER CORPORATION WELFARE BENEFITS PLAN.
BAYER CORPORATION C/O HR OPERATIONS DEPARTMENT of ST. LOUIS, MO files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WILLIS TOWERS WATSON PUERTO RICO. Coverage is written through UPMC HEALTH OPTIONS and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 25-1339219 · plan 501 · plan year 2025, filed Jul 8, 2026
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1,182 other employer plans in Missouri 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
Health: the largest of the 6 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 1,015 of 26,442 participants (3.8%) on Schedule A.
4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: 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 14 insured contracts covering health, vision and life.
The filing declares health, vision, life, dental and disability. Dental and disability appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 4 contracts here that do not say what they cover.
Reported premium across the insured contracts is $61,128,804, with $227,804 in disclosed broker commissions — about 0.4% 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.
WILLIS TOWERS WATSON PUERTO RICO is the broker of record on 1 of the 14 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TRIPLE S SALUD, INC. | Health | 209 | Jan 1, 2026 | $1,816,099 | $90,805 |
| UPMC HEALTH OPTIONS | — | 2,263 | Jan 1, 2026 | $20,068,413 | $86,544 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,015 | Jan 1, 2026 | $9,959,473 | $41,111 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 158 | Jan 1, 2026 | $1,666,227 | $6,595 |
| UPMC HEALTH OPTIONS | — | 30 | Jan 1, 2026 | $572,830 | $2,615 |
| UPMC HEALTH OPTIONS | — | 5 | Jan 1, 2026 | $33,958 | $108 |
| UPMC HEALTH OPTIONS | — | 3 | Jan 1, 2026 | $13,082 | $26 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 35,086 | Jan 1, 2026 | $16,463,457 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 676 | Jan 1, 2026 | $4,976,406 | $0 |
| EYEMED VISION CARE | Vision | 30,483 | Jan 1, 2026 | $3,295,687 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 8,166 | Jan 1, 2026 | $1,229,296 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 145 | Jan 1, 2026 | $915,818 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 5 | Jan 1, 2026 | $92,443 | $0 |
| EYEMED VISION CARE | Vision | 283 | Jan 1, 2026 | $25,615 | $0 |
Premium and claims on this contract
TRIPLE S SALUD, INC., contract SP0007880. For the contract year on this filing, the carrier reported $1,816,099 in premium earned and $1,333,750 in claims incurred. Dividing one by the other gives 73%.
- TRIPLE S SALUD, INC., contract SP0007880 reported $0 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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Renewal calendar
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