Form 5500 · Employee benefit plan · FREEHOLD, NJ
FREEHOLD CARTAGE, INC.
The filing calls this plan FREEHOLD CARTAGE, INC. EMPLOYEE BENEFITS PLAN.
FREEHOLD CARTAGE, INC. of FREEHOLD, NJ spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MERRIDITH STANTON. Coverage is written through COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 21-0735297 · plan 507 · plan year 2026, filed Sep 16, 2026
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69 other employer plans in New Jersey have policy years ending in April. 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 names a third-party administrator on Schedule A and reports no medical premium.
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
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 4 insured contracts covering vision, life and disability; the largest, with COLONIAL LIFE & ACCIDENT INSURANCE COMPANY, covers 103 people.
Reported premium across the insured contracts is $466,919, with $60,890 in disclosed broker commissions — about 13% of premium.
The most recent policy period ended in April, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
MERRIDITH STANTON is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including COLONIAL LIFE & ACCIDENT INSURANCE COMPANY, MADISON NATIONAL LIFE INSURANCE COMPANY, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA and AMERITAS LIFE INSURANCE CORP.. COLONIAL LIFE & ACCIDENT INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 103 | May 1, 2026 | $303,200 | $43,355 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 256 | Jun 1, 2026 | $65,266 | $11,473 |
| MADISON NATIONAL LIFE INSURANCE COMPANY | Disability | 97 | Mar 1, 2026 | $76,468 | $4,522 |
| AMERITAS LIFE INSURANCE CORP. | Vision | 365 | Mar 1, 2026 | $21,985 | $1,540 |
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: 256 employees, 9 recordable cases, 670 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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