Form 5500 · Employee benefit plan · JOHNSTON, RI
FACTORY MUTUAL INSURANCE COMPANY
The filing calls this plan FACTORY MUTUAL INSURANCE COMPANY HEALTH AND WELFARE BENEFIT PLAN.
Public Form 5500 records show how FACTORY MUTUAL INSURANCE COMPANY of JOHNSTON, RI, a finance and insurance employer, structures its employee benefits. Its broker of record is MERCER HEALTH AND BENEFITS ADMIN. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0316605 · plan 509 · plan year 2025, filed Jul 13, 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 2 insured health contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 21 of 4,190 participants (0.5%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 21 of 4,190 participants (0.5%) on Schedule A.
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 5,501 people.
Reported premium across the insured contracts is $10,737,136, with $80,717 in disclosed broker commissions — about 0.8% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS ADMIN is the broker of record on 4 of the 10 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, SPRING HEALTH, FIDELITY SECURITY LIFE INSURANCE COMPANY and LLOYDS OF LONDON. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LLOYDS OF LONDON | — | 25 | Jan 1, 2026 | $265,899 | $75,259 |
| ACE AMERICAN INSURANCE COMPANY | — | 4,099 | Jun 25, 2025 | $21,833 | $5,458 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 5,501 | Jan 1, 2026 | $7,403,286 | $0 |
| SPRING HEALTH | — | 6,253 | Jan 1, 2026 | $1,681,192 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 7,433 | Jan 1, 2026 | $688,243 | $0 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 59 | Jan 1, 2026 | $247,868 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 21 | Jan 1, 2026 | $229,851 | $0 |
| TRIPLE S SALUD, INC. | Health | 7 | Jan 1, 2026 | $173,364 | $0 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 4 | Jan 1, 2026 | $18,812 | $0 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 1 | Jan 1, 2026 | $6,788 | $0 |
Premium and claims on this contract
TRIPLE S SALUD, INC., contract SP0004530. For the contract year on this filing, the carrier reported $173,364 in premium earned and $115,810 in claims incurred. Dividing one by the other gives 67%.
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
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Renewal calendar
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