Form 5500 · Employee benefit plan · CINCINNATI, OH
CINCINNATI SYMPHONY ORCHESTRA
The filing calls this plan CINCINNATI SYMPHONY ORCHESTRA EMPLOYEE BENEFITS PLAN.
CINCINNATI SYMPHONY ORCHESTRA of CINCINNATI, OH files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HUB INTL MIDWEST LIMITED. Coverage is written through AETNA 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 31-0537080 · plan 504 · plan year 2025, filed Jul 15, 2026
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2,504 other employer plans in Ohio 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 AETNA LIFE INSURANCE COMPANY, covers 443 people.
Reported premium across the insured contracts is $2,824,850, with $19,610 in disclosed broker commissions — about 0.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
HUB INTL MIDWEST LIMITED is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, DELTA DENTAL OF OHIO, HARTFORD LIFE AND ACCIDENT and BETHESDA HEALTHCARE,INC. D.B.A. TRIHEALTH EAP. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 311 | Jan 1, 2026 | $131,413 | $14,761 |
| DELTA DENTAL OF OHIO | Dental | 422 | Jan 1, 2026 | $139,972 | $2,770 |
| AETNA LIFE INSURANCE COMPANY | Health, Vision | 443 | Jan 1, 2026 | $2,544,103 | $1,854 |
| FEDERAL INSURANCE COMPANY | — | — | Sep 1, 2025 | $1,500 | $225 |
| BETHESDA HEALTHCARE,INC. D.B.A. TRIHEALTH EAP | — | 220 | Jan 1, 2026 | $7,862 | $0 |
Premium and claims on this contract
DELTA DENTAL OF OHIO, contract 0010622. For the contract year on this filing, the carrier reported $139,972 in premium earned and $116,325 in claims incurred. Dividing one by the other gives 83%.
- DELTA DENTAL OF OHIO, contract 0010622 reported $19,526 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
How this plan compares
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