Form 5500 · Employee benefit plan · WATERBURY, CT
CARMODY TORRANCE SANDAK & HENNESSEY LLLP
The filing calls this plan CARMODY TORRANCE SANDAK & HENNESSEY LLP EMPLOYEE BENEFITS PLAN.
CARMODY TORRANCE SANDAK & HENNESSEY LLLP of WATERBURY, CT spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BROWN & BROWN INSURANCE SERVICES. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-0691344 · plan 506 · plan year 2025, filed Nov 4, 2025
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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: 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 CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 139 people.
Reported premium across the insured contracts is $1,519,443, with $19,832 in disclosed broker commissions — about 1.3% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INSURANCE SERVICES is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF CONNECTICUT, INC., STANDARD INSURANCE COMPANY and FIDELITY SECURITY LIFE INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF CONNECTICUT, INC. | Dental | 110 | Jun 1, 2025 | $139,173 | $6,958 |
| STANDARD INSURANCE COMPANY | Disability | 145 | Jun 1, 2025 | $126,476 | $4,673 |
| STANDARD INSURANCE COMPANY | Life | 145 | Jun 1, 2025 | $90,590 | $3,601 |
| STANDARD INSURANCE COMPANY | Disability | 104 | Jun 1, 2025 | $36,848 | $2,442 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 82 | Jun 1, 2025 | $10,800 | $2,158 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 139 | Jun 1, 2025 | $1,115,556 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF CONNECTICUT, INC., contract 05009. For the contract year on this filing, the carrier reported $139,047 in premium earned and $110,782 in claims incurred. Dividing one by the other gives 80%.
STANDARD INSURANCE COMPANY, contract 753954. For the contract year on this filing, the carrier reported $126,476 in premium earned and $-1,275 in claims incurred. Dividing one by the other gives -1%.
STANDARD INSURANCE COMPANY, contract 753954. For the contract year on this filing, the carrier reported $90,590 in premium earned and $-2,561 in claims incurred. Dividing one by the other gives -3%.
STANDARD INSURANCE COMPANY, contract 753954. For the contract year on this filing, the carrier reported $36,848 in premium earned and $2,063 in claims incurred. Dividing one by the other gives 6%.
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00654356. For the contract year on this filing, the carrier reported $1,115,556 in premium earned and $1,288,271 in claims incurred. Dividing one by the other gives 115%.
- DELTA DENTAL OF CONNECTICUT, INC., contract 05009 reported $31,419 in retention.
- STANDARD INSURANCE COMPANY, contract 753954 reported $127,751 in retention.
- STANDARD INSURANCE COMPANY, contract 753954 reported $93,147 in retention.
- STANDARD INSURANCE COMPANY, contract 753954 reported $34,784 in retention.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00654356 reported $98,821 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.
Other plans filed by this employer
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