Form 5500 · Employee benefit plan · NEW YORK, NY
CAPGEMINI AMERICA, INC.
The filing calls this plan CAPGEMINI AMERICA, INC. WELFARE BENEFIT PLAN.
CAPGEMINI AMERICA, INC. of NEW YORK, NY is a 10,677-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is FREDERICK HOWARTH III. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-2575929 · plan 501 · plan year 2024, filed Oct 13, 2025
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3,536 other employer plans in New York 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 2 insured health contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 620 of 10,677 participants (5.8%) on Schedule A.
Dental: the largest of the 2 insured dental contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 620 of 10,677 participants (5.8%) on Schedule A.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 10,134 people.
Reported premium across the insured contracts is $7,195,542, with $248,937 in disclosed broker commissions — about 3.5% 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.
FREDERICK HOWARTH III is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, METROPOLITAN LIFE INSURANCE COMPANY, UNITEDHEALTHCARE INSURANCE COMPANY and FIRST UNUM LIFE INSURANCE COMPANY. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 10,134 | Jan 1, 2025 | $3,243,644 | $114,709 |
| FIRST UNUM LIFE INSURANCE COMPANY | Disability | 315 | Jan 1, 2025 | $391,408 | $70,386 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 8,016 | Jan 1, 2025 | $1,249,270 | $63,842 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 15,607 | Jan 1, 2025 | $2,151,491 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 620 | Jan 1, 2025 | $105,639 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 6 | Jan 1, 2025 | $54,090 | $0 |
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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