Form 5500 · Employee benefit plan · PHOENIX, AZ
EPCOR USA, INC.
The filing calls this plan EPCOR WATER (USA) INC. EMPLOYEE BENEFIT PLAN.
Public Form 5500 records show how EPCOR USA, INC. of PHOENIX, AZ, a utilities employer, structures its employee benefits. Its broker of record is MERCER HEALTH AND BENEFITS, 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 86-0525312 · plan 501 · plan year 2023, filed Jul 22, 2024
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859 other employer plans in Arizona 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.
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 12 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 940 people.
Reported premium across the insured contracts is $8,018,723, with $208,808 in disclosed broker commissions — about 2.6% 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 10 of the 12 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, BANNER HEALTH AND AETNA HEALTH, UNITED OF OMAHA LIFE INSURANCE COMPANY and DELTA DENTAL OF ARIZONA. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 538 | Jan 1, 2024 | $468,850 | $70,327 |
| DELTA DENTAL OF ARIZONA | Dental | 1,228 | Jan 1, 2024 | $414,988 | $40,572 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 230 | Jan 1, 2024 | $171,923 | $25,788 |
| AETNA LIFE INSURANCE COMPANY | Health | 425 | Jan 1, 2024 | $127,340 | $23,621 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 538 | Jan 1, 2024 | $141,548 | $21,232 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 538 | Jan 1, 2024 | $111,558 | $16,734 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 1,079 | Jan 1, 2024 | $55,777 | $5,487 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 141 | Jan 1, 2024 | $29,681 | $2,968 |
| ARAG INSURANCE COMPANY | — | 136 | Jan 1, 2024 | $13,861 | $2,079 |
| AETNA LIFE INSURANCE COMPANY | Health | 940 | Jan 1, 2024 | $5,270,290 | $0 |
| BANNER HEALTH AND AETNA HEALTH | Health | 221 | Jan 1, 2024 | $1,212,907 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 1 | Jan 1, 2024 | — | $0 |
Premium and claims on this contract
DELTA DENTAL OF ARIZONA, contract 31502. For the contract year on this filing, the carrier reported $414,521 in premium earned and $286,613 in claims incurred. Dividing one by the other gives 69%.
- DELTA DENTAL OF ARIZONA, contract 31502 reported $109,848 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
859 other employer plans in Arizona are January 1 renewals (policy year ends December).
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