Form 5500 · Employee benefit plan · CLEVELAND, OH
EATON CORPORATION
The filing calls this plan EATON CORPORATION GROUP INSURANCE PLAN FOR U.S. EMPLOYEES.
EATON CORPORATION of CLEVELAND, OH spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is CREATIVA ASSOC. FIN. & INV SERVICES. Coverage is written through SECURIAN 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 34-0196300 · plan 590 · plan year 2024, filed Oct 14, 2025
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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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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.
Benefits declared on this filing
Health: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 42 of 21,451 participants (0.2%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 42 of 21,451 participants (0.2%) 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 4 insured contracts covering health, dental, vision and life; the largest, with SECURIAN LIFE INSURANCE COMPANY, covers 29,168 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $12,049,140, with $15,763 in disclosed broker commissions — about 0.1% 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.
CREATIVA ASSOC. FIN. & INV SERVICES is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SECURIAN LIFE INSURANCE COMPANY | Life | 29,168 | Jan 1, 2025 | $7,123,900 | $15,763 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 42,460 | Jan 1, 2025 | $3,690,482 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 20,634 | Jan 1, 2025 | $1,067,301 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 42 | Jan 1, 2025 | $167,457 | $0 |
Premium and claims on this contract
SECURIAN LIFE INSURANCE COMPANY, contract 70231. For the contract year on this filing, the carrier reported $4,579,428 in premium earned and $6,540,842 in claims incurred. Dividing one by the other gives 143%.
- SECURIAN LIFE INSURANCE COMPANY, contract 70231 reported $578,187 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.
Reported to OSHA
Reported to OSHA for 2025: 31,677 employees, 293 recordable cases, 3,927 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Money the plan held and paid out
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
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