Form 5500 · Employee benefit plan · ST. PAUL, MN
EEC ACQUISITION, LLC
The filing calls this plan ZONE CLIMATE SERVICES, INC. ALSO OPERATING AS SMART CARE SOLUTIONS.
EEC ACQUISITION, LLC of ST. PAUL, MN is a 2,148-participant other services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-2786910 · plan 501 · plan year 2025, filed Jun 2, 2026
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1,865 other employer plans in Minnesota 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
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: 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.
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 UNITEDHEALTHCARE INSURANCE COMPANY, covers 2,137 people.
Reported premium across the insured contracts is $25,699,505, with $724,306 in disclosed broker commissions — about 2.8% 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.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on all 7 contracts.
4 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, DELTA DENTAL OF MINNESOTA, STANDARD INSURANCE COMPANY and KAISER FOUNDATION HEALTH PLAN, INC.. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Vision | 2,137 | Jan 1, 2026 | $21,572,282 | $527,080 |
| STANDARD INSURANCE COMPANY | Life | 2,175 | Jan 1, 2026 | $992,103 | $57,188 |
| DELTA DENTAL OF MINNESOTA | Dental | 3,252 | Jan 1, 2026 | $1,020,356 | $53,605 |
| STANDARD INSURANCE COMPANY | Disability | 2,175 | Jan 1, 2026 | $703,151 | $35,883 |
| STANDARD INSURANCE COMPANY | Disability | 2,175 | Jan 1, 2026 | $400,668 | $20,608 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 89 | Jan 1, 2026 | $700,462 | $15,681 |
| UNITEDHEALTHCARE INSURANCE COMPANY | — | 1,942 | Jan 1, 2026 | $310,483 | $14,261 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 171789. For the contract year on this filing, the carrier reported $992,103 in premium earned and $1,838,700 in claims incurred. Dividing one by the other gives 185%.
DELTA DENTAL OF MINNESOTA, contract 102407. For the contract year on this filing, the carrier reported $1,018,704 in premium earned and $825,090 in claims incurred. Dividing one by the other gives 81%.
STANDARD INSURANCE COMPANY, contract 171789. For the contract year on this filing, the carrier reported $703,151 in premium earned and $632,619 in claims incurred. Dividing one by the other gives 90%.
- STANDARD INSURANCE COMPANY, contract 171789 reported $307,652 in retention.
- DELTA DENTAL OF MINNESOTA, contract 102407 reported $257,223 in retention.
- STANDARD INSURANCE COMPANY, contract 171789 reported $276,977 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.
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Renewal calendar
1,865 other employer plans in Minnesota are January 1 renewals (policy year ends December).
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