Form 5500 · Employee benefit plan · LONG VALLEY, NJ
CULT HEALTH, LLC
The filing calls this plan CULT HEALTH, LLC WELFARE BENEFITS PLAN.
CULT HEALTH, LLC of LONG VALLEY, NJ is a 51-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is JM BRASSILL GROUP, INC.. Coverage is written through FIRST UNUM LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0591538 · plan 501 · plan year 2024, filed Sep 24, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
The filing carries code 4S: this plan is filing again after previously being exempt.
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.
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 3 insured contracts covering vision, life and disability; the largest, with FIRST UNUM LIFE INSURANCE COMPANY, covers 133 people.
The filing declares 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 $128,146, with $13,448 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
JM BRASSILL GROUP, INC. is the broker of record on all 3 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FIRST UNUM LIFE INSURANCE COMPANY | Life, Disability | 133 | Jan 1, 2025 | $101,843 | $10,525 |
| PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | Vision | 110 | Jan 1, 2025 | $18,903 | $1,834 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 24 | Jan 1, 2025 | $7,400 | $1,089 |
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.
How this plan compares
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