Form 5500 · Employee benefit plan · GROTON, CT
CHELSEA GROTON BANK
The filing calls this plan CHELSEA GROTON BANK BENEFITS PLAN.
Public Form 5500 records show how CHELSEA GROTON BANK of GROTON, CT, a finance and insurance employer, structures its employee benefits. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-0376640 · plan 501 · plan year 2025, filed Dec 4, 2025
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23 other employer plans in Connecticut 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 312 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $3,712,858, with $114,454 in disclosed broker commissions — about 3.1% of premium.
The health contract's policy period ended in April, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
LOCKTON COMPANIES, LLC is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 312 | May 1, 2024 | $3,285,286 | $96,370 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 268 | May 1, 2024 | $160,882 | $16,088 |
| VISION SERVICE PLAN | Vision | 134 | May 1, 2024 | $19,665 | $1,996 |
| ANTHEM HEALTH PLANS, INC. | Health | 38 | Jan 1, 2025 | $242,596 | $0 |
| KEPRO | — | 225 | Mar 1, 2025 | $4,429 | $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
How this plan compares
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Renewal calendar
23 other employer plans in Connecticut are May 1 renewals (policy year ends April).
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