Form 5500 · Employee benefit plan · CINCINNATI, OH
FIRST STUDENT, INC.
The filing calls this plan FIRSTGROUP AMERICA, INC. HEALTH & WELFARE PLAN.
FIRST STUDENT, INC. of CINCINNATI, OH insures health, dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is FIDELITY HEALTH INS SVS, LLC. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-2205403 · plan 501 · plan year 2025, filed Jul 22, 2026
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2,504 other employer plans in Ohio 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 13 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 344 of 50,432 participants (0.7%) on Schedule A.
Also declared: 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 19 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 48,161 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 $24,767,196, with $429,418 in disclosed broker commissions — about 1.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
FIDELITY HEALTH INS SVS, LLC is the broker of record on 1 of the 19 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PAN-AMERICAN LIFE INSURANCE COMPANY | Health, Stop-loss | 1,483 | Jan 1, 2026 | $1,592,448 | $153,758 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 344 | Jan 1, 2026 | $3,763,494 | $51,379 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 208 | Jan 1, 2026 | $2,530,425 | $39,206 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 48,161 | Jan 1, 2026 | $3,779,386 | $37,794 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 152 | Jan 1, 2026 | $2,228,299 | $36,779 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 5,803 | Jan 1, 2026 | $2,433,485 | $24,335 |
| HEALTH NEW ENGLAND, INC. | Health | 26 | Jan 1, 2026 | $662,784 | $23,522 |
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 13 | Jan 1, 2026 | $360,550 | $16,580 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 79 | Jan 1, 2026 | $1,123,986 | $16,186 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 94 | Jan 1, 2026 | $955,125 | $13,238 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 44 | Jan 1, 2026 | $643,090 | $8,995 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 608 | Jan 1, 2026 | $366,315 | $3,663 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 4,567 | Apr 1, 2025 | $19,753 | $2,963 |
| EXCELLUS BLUE CROSS BLUE SHIELD | Dental | 12 | Jan 1, 2026 | $8,517 | $1,020 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 7,304 | Jan 1, 2026 | $1,997,120 | $0 |
| VISION SERVICE PLAN | Vision | 7,247 | Jan 1, 2026 | $1,380,496 | $0 |
| INDEPENDENT HEALTH ASSOCIATION | Health | 20 | Jan 1, 2026 | $559,587 | $0 |
| EMBLEMHEALTH | Health | 18 | Jan 1, 2026 | $349,688 | $0 |
| HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | Health | 6 | Jan 1, 2026 | $12,648 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30026844. For the contract year on this filing, the carrier reported $1,380,496 in premium earned and $1,171,004 in claims incurred. Dividing one by the other gives 85%.
- VISION SERVICE PLAN, contract 30026844 reported $144,952 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.
Reported to OSHA
Reported to OSHA for 2025: 487 employees, 8 recordable cases, 115 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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