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Form 5500 · Employee benefit plan · SALT LAKE CITY, UT

DYNO NOBEL INC.

The filing calls this plan DYNO NOBEL INC. EMPLOYEE BENEFITS PLAN.

DYNO NOBEL INC. of SALT LAKE CITY, UT is a 1,885-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is GBS BENEFITS INC. Coverage is written through HARTFORD LIFE AND ACCIDENT and 16 other carriers. The plan's most recent policy period ended in December.

Benefits broker of record
Policy year ends
Decemberas filed for plan year 2024

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-0409179 · plan 501 · plan year 2024, filed Oct 14, 2025

Get an email when this employer files a new Form 5500, and again about four months before its plan renews.

699 other employer plans in Utah 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

Self-funded as reported

The plan's financial statement reports paying insurance carriers far less than the premium on its insurance contracts, so most benefits were paid from plan money.

A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.

All participants at the start of the year
1,885
Active at start of year
1,885
Active at end of year
1,537
Disclosed commissions
$272,585
Typical renewal
January 1

Benefits declared on this filing

Healthinsured — KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST140 of 1,885 participants (7.4%) on the largest contract
Dentalinsured — DELTA DENTAL INSURANCE COMPANY3,575 of 1,885 participants
Visionnot declared on this filing
Lifeinsured — HARTFORD LIFE AND ACCIDENT1,730 of 1,885 participants (92%)
Disabilityinsured — THE LINCOLN NATIONAL LIFE INSURANCE COMPANY1,537 of 1,885 participants (82%) on the largest contract

Health: the largest of the 6 insured health contracts, with KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST, covers 140 of 1,885 participants (7.4%) on Schedule A.

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 18 insured contracts covering health, dental, life, disability and stop-loss; the largest, with HARTFORD LIFE AND ACCIDENT, covers 1,730 people.

The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.

Reported premium across the insured contracts is $6,584,929, with $272,585 in disclosed broker commissions — about 4.1% of premium.

The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.

GBS BENEFITS INC is the broker of record on 8 of the 18 contracts; the rest name a different broker or none.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
HARTFORD LIFE AND ACCIDENTLife1,730Jan 1, 2025$1,648,678$62,459
UNUM LIFE INSURANCE COMPANY OF AMERICA—1,045Jan 1, 2025$284,904$52,139
BLUECROSS BLUESHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICEHealth78Jan 1, 2025$782,995$50,895
UNUMERICA INSURANCE COMPANYHealth1,170Jan 1, 2025$569,607$39,872
UNUM INSURANCE COMPANY—481Jan 1, 2025$190,907$25,830
UNITEDHEALTHCARE INSURANCE COMPANYHealth3,363Jan 1, 2025$190,647$19,106
DELTA DENTAL INSURANCE COMPANYDental3,575Jan 1, 2025—$15,645
KAISER FOUNDATION HEALTH PLAN OF THE NORTHWESTHealth140Jan 1, 2025$1,046,088$5,261
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANYDisability3Jan 1, 2025$9,472$985
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANYDisability2Jan 1, 2025$6,902$393
THE LINCOLN NATIONAL LIFE INSURANCE COMPANYDisability1,537Jan 1, 2025$645,973$0
STEALTH (SLIS) - OPTUM UNIMERICAStop-loss1,172Jan 1, 2025$626,650$0
MARQUEE HEALTH LLC——Jan 1, 2025$371,606$0
BLUE CROSS AND BLUE SHIELD OF ALABAMAHealth33Jan 1, 2025$156,794$0
CURALINC LLC—1,921Jan 1, 2025$49,967$0
UNUM LIFE INSURANCE COMPANY OF AMEICANDisability6Jan 1, 2025$3,739$0
LIFE INSURANCE COMPANY OF NORTH AMERICA——May 1, 2025—$0
NAVITUS HEALTH SOLUTIONSHealth2,815Jan 1, 2025—$0

Premium and claims on these contracts

UNUM INSURANCE COMPANY, contract 914820. For the contract year on this filing, the carrier reported $12,953 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.

BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 73435. For the contract year on this filing, the carrier reported $156,794 in premium earned and $158,161 in claims incurred. Dividing one by the other gives 101%.

  • UNUM INSURANCE COMPANY, contract 914820 reported $0 in retention.
  • BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 73435 reported $15,429 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.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
DYNO NOBEL INC.
EIN 87-0409179
UMR
Claims processing · EIN 39-1995276
$838,040
paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

Reported to OSHA

Reported to OSHA for 2025: 388 employees, 17 recordable cases, 27 days away from work.

EmployeesThe company's own average for the year
388
Hours worked
845,709
Recordable cases
17
Days away from work
27
Establishments filed under this EIN
3

Source: OSHA Injury Tracking Application establishment data, 2025.

Money the plan held and paid out

Plan assets at year end
$3,693,676
Paid out in benefits
$19,934,677
Paid to insurance carriersSchedule H, line 2e(2)
$630,303
Independent accountantEIN 71-0911208
RICHEY, MAY & CO., LLP
Accountant's opinion (Schedule H, line 3a)
Unmodified

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

Other plans filed by this employer

How this plan compares

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Renewal calendar

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