Form 5500 · Employee benefit plan · MIDDLETOWN, RI
EMBRACE HOME LOANS, INC.
The filing calls this plan EMBRACE HOME LOANS, INC. WELFARE WRAP BENEFIT PLAN.
EMBRACE HOME LOANS, INC. of MIDDLETOWN, RI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is THE HILB GROUP OF NEW ENGLAND LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0402708 · plan 503 · plan year 2025, filed May 15, 2026
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170 other employer plans in Rhode Island 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
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 16 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 631 people.
Reported premium across the insured contracts is $5,355,744, with $101,145 in disclosed broker commissions — about 1.9% 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.
THE HILB GROUP OF NEW ENGLAND LLC is the broker of record on 2 of the 16 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, ALL SAVERS INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA and DELTA DENTAL OF RHODE ISLAND. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
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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Renewal calendar
170 other employer plans in Rhode Island are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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