Form 5500 · Employee benefit plan · PARSIPPANY, NJ
GAF LLC
The filing calls this plan GAF LLC WELFARE PLAN.
GAF LLC of PARSIPPANY, NJ insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HEWITT INSURANCE BROKERAGE LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 22 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-1181107 · plan 501 · plan year 2024, filed Oct 10, 2025
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1,512 other employer plans in New Jersey 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 432 of 5,573 participants (7.8%) on Schedule A.
Also declared: prepaid legal, severance, 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 30 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $18,723,219, with $1,530,175 in disclosed broker commissions — about 8.2% 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.
HEWITT INSURANCE BROKERAGE LLC is the broker of record on 5 of the 30 contracts; the rest name a different broker or none.
23 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., DELTA DENTAL OF NEW YORK, SECURIAN LIFE INSURANCE COMPANY and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 2,658 | Jan 1, 2025 | $1,091,621 | $423,417 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 407 | Jan 1, 2025 | $262,095 | $260,120 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 6,105 | Jan 1, 2025 | — | $173,888 |
| DELTA DENTAL OF NEW YORK | Dental | 2,645 | Jan 1, 2025 | $2,223,027 | $133,378 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 5,294 | Jan 1, 2025 | $2,083,579 | $104,179 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 432 | Jan 1, 2025 | $2,646,197 | $64,946 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 250 | Jan 1, 2025 | $1,717,387 | $47,788 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 1,634 | Jan 1, 2025 | $728,184 | $45,460 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 712 | Jan 1, 2025 | $607,225 | $36,248 |
| UPMC HEALTH OPTIONS | Health | 202 | Jan 1, 2025 | $1,134,904 | $33,134 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 5,997 | Jan 1, 2025 | $560,502 | $32,383 |
| VISION SERVICE PLAN | Vision | 2,166 | Jan 1, 2025 | $429,626 | $31,957 |
| AETNA LIFE INSURANCE COMPANY | Dental | 2,298 | Jan 1, 2025 | $808,684 | $24,538 |
| GEISINGER QUALITY OPTIONS, INC. | Health | 49 | Jan 1, 2025 | $619,866 | $18,596 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 823 | Jan 1, 2025 | $392,727 | $18,427 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 2,356 | Jan 1, 2025 | $1,209,734 | $17,810 |
| SECURIAN LIFE INSURANCE COMPANY | — | 3,720 | Jan 1, 2025 | $330,484 | $16,524 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 242 | Jan 1, 2025 | $219,805 | $13,086 |
| EYEMED VISION CARE | Vision | 953 | Jan 1, 2025 | $157,490 | $7,499 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 44 | Jan 1, 2025 | $218,725 | $6,392 |
| MEDICAL MUTUAL | Health | 15 | Jan 1, 2025 | $151,779 | $4,560 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 22 | Jan 1, 2025 | $129,396 | $3,798 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 767 | Jan 1, 2025 | $58,478 | $3,518 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 7 | Jan 1, 2025 | $108,329 | $3,250 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 11 | Jan 1, 2025 | $79,795 | $2,382 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 6 | Jan 1, 2025 | $60,182 | $1,805 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 11 | Jan 1, 2025 | $37,060 | $1,092 |
| HEALTH NET | Health | 24 | Jan 1, 2025 | $307,667 | $0 |
| METLIFE LEGAL PLANS | — | 845 | Jan 1, 2025 | $182,629 | $0 |
| UNITED BEHAVIORAL HEALTH DBA OPTUM | — | 6,061 | Jan 1, 2025 | $166,042 | $0 |
Premium and claims on these contracts
SECURIAN LIFE INSURANCE COMPANY, contract 70688. For the contract year on this filing, the carrier reported $560,502 in premium earned and $84,802 in claims incurred. Dividing one by the other gives 15%.
VISION SERVICE PLAN, contract 30106404. For the contract year on this filing, the carrier reported $429,626 in premium earned and $362,636 in claims incurred. Dividing one by the other gives 84%.
MEDICAL MUTUAL, contract 0135165-01. For the contract year on this filing, the carrier reported $151,779 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8878600. For the contract year on this filing, the carrier reported $108,329 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- SECURIAN LIFE INSURANCE COMPANY, contract 70688 reported $44,912 in retention.
- VISION SERVICE PLAN, contract 30106404 reported $113,586 in retention.
- MEDICAL MUTUAL, contract 0135165-01 reported $5 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8878600 reported $3,250 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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