Form 5500 · Employee benefit plan · SAINT LOUIS, MO
CAREVET HOLDINGS, LLC
The filing calls this plan CAREVET HOLDINGS, LLC WELFARE BENEFIT PLAN.
CAREVET HOLDINGS, LLC of SAINT LOUIS, MO is a 2,514-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through HEALTHY ALLIANCE LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-4085413 · plan 501 · plan year 2024, filed Sep 17, 2025
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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
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: 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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTHY ALLIANCE LIFE INSURANCE COMPANY, covers 1,421 people.
Reported premium across the insured contracts is $10,808,513, with $434,795 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.
LOCKTON COMPANIES, LLC is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HEALTHY ALLIANCE LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY, DELTA DENTAL OF MISSOURI and RELIASTAR LIFE INSURANCE COMPANY. HEALTHY ALLIANCE LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE COMPANY | Health | 1,421 | Jan 1, 2025 | $8,999,923 | $293,594 |
| STANDARD INSURANCE COMPANY | Vision, Life, Disability | 1,971 | Jan 1, 2025 | $1,116,712 | $61,175 |
| DELTA DENTAL OF MISSOURI | Dental | 1,346 | Jan 1, 2025 | $521,411 | $51,127 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 463 | Jan 1, 2025 | $133,806 | $28,899 |
| PREFERRED RESOURCE NETWORK, INC DBA PERSONAL ASSISTANCE SERVICES | — | 2,543 | Jan 1, 2025 | $36,661 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 168385. For the contract year on this filing, the carrier reported $1,089,181 in premium earned and $713,361 in claims incurred. Dividing one by the other gives 65%.
- STANDARD INSURANCE COMPANY, contract 168385 reported $611,935 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.
How this plan compares
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Renewal calendar
1,182 other employer plans in Missouri are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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