Form 5500 · Employee benefit plan · CHAPEL HILL, NC
EARLY YEARS, INC.
The filing calls this plan EARLY YEARS, INC. WELFARE BENEFIT PLAN.
EARLY YEARS, INC. of CHAPEL HILL, NC insures dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is USI INSURANCE SERVICES LLC MIDSOUTH. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-1514058 · plan 501 · plan year 2025, filed Jan 21, 2026
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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.
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 7 insured contracts covering dental, vision, life and disability; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 75 people.
Reported premium across the insured contracts is $132,570, with $23,880 in disclosed broker commissions — about 18% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
USI INSURANCE SERVICES LLC MIDSOUTH is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
Two carriers split the book: SUN LIFE ASSURANCE COMPANY OF CANADA and USABLE LIFE.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental | 75 | Jul 1, 2025 | $63,106 | $9,357 |
| USABLE LIFE | Disability | 131 | Jul 1, 2025 | $30,883 | $6,775 |
| USABLE LIFE | — | 63 | Jul 1, 2025 | $14,810 | $3,216 |
| USABLE LIFE | — | 19 | Jul 1, 2025 | $8,538 | $1,814 |
| USABLE LIFE | Life | 118 | Jul 1, 2025 | $5,598 | $1,230 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Vision | 75 | Jul 1, 2025 | $8,298 | $1,195 |
| USABLE LIFE | — | 63 | Jul 1, 2025 | $1,337 | $293 |
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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