Form 5500 · Employee benefit plan · LANDOVER, MD
BOARD OF TRUSTEES, UFCW UNIONS AND PARTICIPATING EMPLOYERS HEALTH AND
The filing calls this plan UFCW UNIONS AND PARTICIPATING EMPLOYERS HEALTH AND WELFARE FUND.
BOARD OF TRUSTEES, UFCW UNIONS AND PARTICIPATING EMPLOYERS HEALTH AND of LANDOVER, MD is a 1,072-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is GROUP VISION SERVICES MGMT INC. Coverage is written through KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-6044428 · plan 502 · plan year 2024, filed Oct 15, 2025
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776 other employer plans in Maryland 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 6 insured contracts covering health, dental, vision and life.
The filing declares health, dental, vision, life and disability. Disability appears 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $1,523,147, with $14,111 in disclosed broker commissions — about 0.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
GROUP VISION SERVICES MGMT INC is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DENTEGRA INSURANCE COMPANY | Dental | 1,034 | Jan 1, 2025 | $352,867 | $14,111 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 182 | Jan 1, 2025 | $645,721 | $0 |
| HUMANA INSURANCE COMPANY | Health | 188 | Jan 1, 2025 | $416,797 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 720 | Sep 1, 2024 | $52,147 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 1,345 | Jan 1, 2025 | $52,094 | $0 |
| CARELON BEHAVIORAL HEALTH | — | 375 | Jan 1, 2025 | $3,521 | $0 |
Premium and claims on this contract
FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 12030-7,8. For the contract year on this filing, the carrier reported $52,094 in premium earned and the same figure again in claims incurred.
- FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 12030-7,8 reported $9,637 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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Renewal calendar
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