Form 5500 · Employee benefit plan · ROSELAND, NJ
CONNELL FOLEY, LLP
The filing calls this plan CONNELL FOLEY, LLP MEDICAL AND LONG TERM DISABILITY PLAN.
CONNELL FOLEY, LLP of ROSELAND, NJ files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is KORE INSURANCE HOLDINGS, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-1500072 · plan 501 · plan year 2024, filed Aug 18, 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 244 people.
Reported premium across the insured contracts is $4,741,038, with $79,759 in disclosed broker commissions — about 1.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
KORE INSURANCE HOLDINGS, LLC is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF NEW JERSEY, INC., HARTFORD LIFE AND ACCIDENT and STANDARD 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 NEW JERSEY, INC. | Dental | 490 | Feb 29, 2024 | $274,837 | $22,699 |
| STANDARD INSURANCE COMPANY | Life | 256 | Jul 1, 2024 | $178,640 | $21,475 |
| HARTFORD LIFE AND ACCIDENT | Life | 253 | Oct 1, 2024 | $197,657 | $18,127 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 251 | Jan 1, 2025 | $177,827 | $16,338 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Vision | 181 | Jan 1, 2025 | $10,441 | $1,054 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1 | Jan 1, 2025 | $658 | $66 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 244 | Jan 1, 2025 | $3,900,978 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF NEW JERSEY, INC., contract 9340. For the contract year on this filing, the carrier reported $274,837 in premium earned and $213,682 in claims incurred. Dividing one by the other gives 78%.
STANDARD INSURANCE COMPANY, contract 761363. For the contract year on this filing, the carrier reported $178,640 in premium earned and $299,359 in claims incurred. Dividing one by the other gives 168%.
- DELTA DENTAL OF NEW JERSEY, INC., contract 9340 reported $57,202 in retention.
- STANDARD INSURANCE COMPANY, contract 761363 reported $62,287 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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