Form 5500 · Employee benefit plan · SAINT LOUIS, MO
CEDARHURST LIVING LLC
The filing calls this plan CEDARHURST LIVING BENEFIT PLAN.
CEDARHURST LIVING LLC of SAINT LOUIS, MO files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BENEFITS SOLUTIONS GROUP, LLC. Coverage is written through HEALTHY ALLIANCE LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3957516 · plan 501 · plan year 2025, filed Nov 28, 2025
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22 other employer plans in Missouri have policy years ending in February. 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
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with HEALTHY ALLIANCE LIFE INSURANCE COMPANY, covers 1,065 people.
Reported premium across the insured contracts is $6,226,307, with $280,262 in disclosed broker commissions — about 4.5% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
BENEFITS SOLUTIONS GROUP, LLC is the broker of record on all 4 contracts.
3 carriers appear on the filing, including HEALTHY ALLIANCE LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY and ANTHEM 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, Dental, Vision | 1,065 | Mar 1, 2025 | $5,440,581 | $196,520 |
| STANDARD INSURANCE COMPANY | Life, Disability | 1,637 | Jan 1, 2025 | $605,472 | $63,273 |
| ANTHEM LIFE INSURANCE COMPANY | Life, Disability | 1,855 | Mar 1, 2025 | $116,582 | $13,616 |
| ANTHEM LIFE INSURANCE COMPANY | Life, Disability | 1,838 | Apr 1, 2024 | $63,672 | $6,853 |
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.
Reported to OSHA
Reported to OSHA for 2025: 2,692 employees, 80 recordable cases, 727 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
How this plan compares
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Renewal calendar
22 other employer plans in Missouri are March 1 renewals (policy year ends February).
Their policy years end in February, like this plan’s, so most renew March 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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