Form 5500 · Employee benefit plan · NEW YORK, NY
CENTER FOR JUSTICE INNOVATION
The filing calls this plan CENTER FOR JUSTICE INNOVATION BENEFIT PLAN.
CENTER FOR JUSTICE INNOVATION of NEW YORK, NY is a 721-participant other services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL NORTHEAST. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-2810883 · plan 501 · plan year 2025, filed Aug 27, 2025
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148 other employer plans in New York have policy years ending in April. 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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 681 people.
Reported premium across the insured contracts is $12,253,332, with $38,868 in disclosed broker commissions — about 0.3% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL NORTHEAST is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and STANDARD LIFE INS CO OF NY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 681 | May 1, 2025 | $11,412,260 | $14,556 |
| STANDARD LIFE INS CO OF NY | Health | 425 | May 1, 2025 | $15,873 | $8,072 |
| STANDARD LIFE INS CO OF NY | Disability | 879 | May 1, 2025 | $250,963 | $6,959 |
| STANDARD LIFE INS CO OF NY | Life | 879 | May 1, 2025 | $197,264 | $5,033 |
| STANDARD LIFE INS CO OF NY | Disability | 839 | May 1, 2025 | $376,972 | $4,248 |
Premium and claims on these contracts
STANDARD LIFE INS CO OF NY, contract 448422. For the contract year on this filing, the carrier reported $250,963 in premium earned and $306,596 in claims incurred. Dividing one by the other gives 122%.
STANDARD LIFE INS CO OF NY, contract 448422. For the contract year on this filing, the carrier reported $197,264 in premium earned and $186,277 in claims incurred. Dividing one by the other gives 94%.
STANDARD LIFE INS CO OF NY, contract 448422. For the contract year on this filing, the carrier reported $376,972 in premium earned and $282,514 in claims incurred. Dividing one by the other gives 75%.
- STANDARD LIFE INS CO OF NY, contract 448422 reported $109,451 in retention.
- STANDARD LIFE INS CO OF NY, contract 448422 reported $46,874 in retention.
- STANDARD LIFE INS CO OF NY, contract 448422 reported $126,550 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.
Other plans filed by this employer
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