Form 5500 · Employee benefit plan · ATLANTA, GA
GRAY TELEVISION, INC.
The filing calls this plan GRAY TELEVISION INC GROUP INSURANCE PLAN.
GRAY TELEVISION, INC. of ATLANTA, GA 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 ALLIANT INSURANCE SERVICES, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-0285030 · plan 501 · plan year 2024, filed Oct 9, 2025
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1,626 other employer plans in Georgia 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
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.
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
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 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 6,759 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $16,914,188, with $894,247 in disclosed broker commissions — about 5.3% 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.
ALLIANT INSURANCE SERVICES, INC. is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | Stop-loss | 7,337 | Jan 1, 2025 | $3,441,610 | $550,658 |
| BANKERS FIDELITY LIFE INSURANCE COMPANY | Life | 2,161 | Jan 1, 2025 | $2,224,977 | $343,589 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 6,759 | Jan 1, 2025 | $4,744,437 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 9,445 | Jan 1, 2025 | $3,590,599 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 9,292 | Jan 1, 2025 | $1,417,539 | $0 |
| UNIVERSITY HEALTH ALLIANCE | Health | 133 | Jan 1, 2025 | $898,894 | $0 |
| CORPCARE ASSOCIATES, INC. | — | 9,701 | Jan 1, 2025 | $229,587 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 36 | Jan 1, 2025 | $228,792 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 8,637 | Jan 1, 2025 | $127,458 | $0 |
| BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | Health | 11,128 | Jan 1, 2025 | $10,295 | $0 |
Premium and claims on this contract
UNIVERSITY HEALTH ALLIANCE, contract 070A. For the contract year on this filing, the carrier reported $898,894 in premium earned and $1,390,370 in claims incurred. Dividing one by the other gives 155%.
- UNIVERSITY HEALTH ALLIANCE, contract 070A reported $91,418 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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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Renewal calendar
1,626 other employer plans in Georgia are January 1 renewals (policy year ends December).
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