Form 5500 · Employee benefit plan · JERSEY CITY, NJ
EFFECTUAL INC.
EFFECTUAL INC. of JERSEY CITY, NJ files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES and 4 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-3082582 · plan 501 · as of Jul 2026
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Commission |
|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | Dental | 144 | December | $14,538 |
| STANDARD INSURANCE COMPANY | Vision, Life, Disability | 166 | December | $9,980 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 4 | April | $1,924 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 193 | December | $0 |
| PROVIDENCE HEALTH PLAN | Health | 166 | October | $0 |
Questions
Who is EFFECTUAL INC.'s benefits broker?
Per its most recent Form 5500 Schedule A, EFFECTUAL INC.'s broker of record is USI INSURANCE SERVICES LLC.
What insurance carrier does EFFECTUAL INC. use?
EFFECTUAL INC.'s benefit plan is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES, among 5 disclosed carriers.
When does EFFECTUAL INC.'s group plan renew?
The most recent Schedule A policy period for EFFECTUAL INC. ended in April. Group plans typically renew on the same annual cycle.
Where does this data come from?
All figures are drawn from EFFECTUAL INC.'s public Form 5500 filing with the U.S. Department of Labor (EFAST2). Form 5500 is a public record.