Form 5500 · Employee benefit plan · FARMINGTON, CT
BENDETT & MCHUGH, P.C
The filing calls this plan BENDETT & MCHUGH GROUP DENTAL PLAN.
BENDETT & MCHUGH, P.C of FARMINGTON, CT files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WILLIS TOWERS WATSON NE INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-1392870 · plan 504 · plan year 2023, filed Oct 8, 2024
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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.
The filing carries code 4S: this plan is filing again after previously being exempt.
Benefits declared on this filing
Health: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 2 of 87 participants (2.3%) on Schedule A.
Dental: the largest of the 3 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 2 of 87 participants (2.3%) on Schedule A.
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 3 insured contracts covering health and dental.
Reported premium across the insured contracts is $41,257, with $1,638 in disclosed broker commissions — about 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 NE INC is the broker of record on all 3 contracts.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, CIGNA HEALTHCARE OF CONNECTICUT, INC. and CIGNA DENTAL HEALTH OF FLORIDA, 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 | 2 | Jan 1, 2024 | $33,902 | $1,344 |
| CIGNA HEALTHCARE OF CONNECTICUT, INC. | Dental | 17 | Jan 1, 2024 | $7,319 | $293 |
| CIGNA DENTAL HEALTH OF FLORIDA, INC. | Dental | 1 | Jan 1, 2024 | $36 | $1 |
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
How this plan compares
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