Form 5500 · Employee benefit plan · LAKEWOOD, NJ
ENHANCE THERAPIES
The filing calls this plan ENHANCE THERAPIES HEALTH AND WELFARE BENEFIT PLAN.
ENHANCE THERAPIES of LAKEWOOD, NJ spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is SPETNER ASSOCIATES, INC.. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 88-2912580 · plan 501 · plan year 2025, filed Jul 22, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,512 other employer plans in New Jersey 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
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
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.
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, life, disability and stop-loss; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 1,688 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $5,829,107, with $1,421,212 in disclosed broker commissions — about 24% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
SPETNER ASSOCIATES, INC. is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | Health, Life | 2,658 | Jan 1, 2026 | $1,513,190 | $745,987 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental, Vision, Disability | 1,688 | Jan 1, 2026 | $2,612,006 | $675,225 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 1,811 | Jan 1, 2026 | $1,676,223 | $0 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 133 | Jan 2, 2025 | $27,688 | $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.
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Renewal calendar
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