Form 5500 · Employee benefit plan · SCHILLER PARK, IL
ENCORE GROUP (USA) LLC
The filing calls this plan ENCORE GROUP (USA) LLC HEALTH AND WELFARE BENEFIT PLAN.
ENCORE GROUP (USA) LLC of SCHILLER PARK, IL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through RELIANCE STANDARD LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-4025666 · plan 501 · plan year 2024, filed Aug 22, 2025
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2,668 other employer plans in Illinois 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: prepaid legal, 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 RELIANCE STANDARD LIFE INSURANCE COMPANY, covers 7,764 people.
Reported premium across the insured contracts is $8,154,525, with $1,197,482 in disclosed broker commissions — about 15% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including RELIANCE STANDARD LIFE INSURANCE COMPANY, HAWAII MEDICAL SERVICE ASSOCIATION, AETNA LIFE INSURANCE COMPANY and TRIPLE S SALUD, INC.. RELIANCE STANDARD LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Health, Dental, Life, Disability | 7,764 | Jan 1, 2025 | $6,415,856 | $1,159,008 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 85 | Jan 1, 2025 | $53,092 | $20,628 |
| TRIPLE S SALUD, INC. | Health, Dental | 31 | Jan 1, 2025 | $360,531 | $17,846 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 112 | Jan 1, 2025 | $674,839 | $0 |
| AETNA LIFE INSURANCE COMPANY | Vision | 7,239 | Jan 1, 2025 | $433,864 | $0 |
| ARAG INSURANCE COMPANY | — | 2,274 | Jan 1, 2025 | $216,343 | $0 |
| FEDERAL INSURANCE COMPANY | — | 8,269 | Sep 1, 2024 | — | $0 |
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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