Form 5500 · Employee benefit plan · SAINT PAUL, MN
EVER-GREEN ENERGY, INC.
The filing calls this plan EVER-GREEN ENERGY, INC. WELFARE BENEFIT PLAN.
EVER-GREEN ENERGY, INC. of SAINT PAUL, MN is a 204-participant utilities employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS TOWERS WATSON MIDWEST, INC. Coverage is written through MEDICA INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-1938761 · plan 501 · plan year 2025, filed Jun 15, 2026
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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: 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 5 insured contracts covering health, vision, life and disability; the largest, with MEDICA INSURANCE COMPANY, covers 379 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $4,456,014, with $99,957 in disclosed broker commissions — about 2.2% 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.
WILLIS TOWERS WATSON MIDWEST, INC is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MEDICA INSURANCE COMPANY | Health | 379 | Jan 1, 2026 | $4,166,178 | $83,324 |
| STANDARD INSURANCE COMPANY | Health | 62 | Jan 1, 2026 | $35,750 | $8,281 |
| STANDARD INSURANCE COMPANY | Disability | 210 | Jan 1, 2026 | $114,489 | $6,290 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 298 | Jan 1, 2026 | $16,944 | $1,634 |
| STANDARD INSURANCE COMPANY | Life | 210 | Jan 1, 2026 | $122,653 | $428 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 171697. For the contract year on this filing, the carrier reported $114,489 in premium earned and $16,749 in claims incurred. Dividing one by the other gives 15%.
STANDARD INSURANCE COMPANY, contract 171697. For the contract year on this filing, the carrier reported $122,653 in premium earned and $7,232 in claims incurred. Dividing one by the other gives 6%.
- STANDARD INSURANCE COMPANY, contract 171697 reported $97,740 in retention.
- STANDARD INSURANCE COMPANY, contract 171697 reported $115,421 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.
Other plans filed by this employer
How this plan compares
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