Form 5500 · Employee benefit plan · HACKENSACK, NJ
GREATER BERGEN COMMUNITY ACTION PROGRAM
The filing calls this plan BERGEN COUNTY COMMUNITY ACTION PROGRAM MEDICAL PLAN.
GREATER BERGEN COMMUNITY ACTION PROGRAM of HACKENSACK, NJ spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL NORTHEAST LIMITED. Coverage is written through AETNA LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-1818014 · plan 503 · plan year 2025, filed May 13, 2026
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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.
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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 275 people.
Reported premium across the insured contracts is $3,012,056, with $19,698 in disclosed broker commissions — about 0.7% of premium.
The most recent policy period ended in August, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL NORTHEAST LIMITED is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, DELTA DENTAL OF NEW JERSEY, INC., HARTFORD LIFE AND ACCIDENT and EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF NEW JERSEY, INC. | Dental | 279 | Sep 1, 2025 | $119,301 | $8,351 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life | 425 | Sep 1, 2025 | $49,739 | $5,969 |
| HARTFORD LIFE AND ACCIDENT | Disability | 436 | Sep 1, 2025 | $68,400 | $3,844 |
| DELTA DENTAL OF CONNECTICUT, INC. | Vision | 254 | Sep 1, 2025 | $21,883 | $1,534 |
| AETNA LIFE INSURANCE COMPANY | Health | 275 | Sep 1, 2025 | $2,752,733 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF NEW JERSEY, INC., contract 9742. For the contract year on this filing, the carrier reported $119,183 in premium earned and $121,098 in claims incurred. Dividing one by the other gives 102%.
DELTA DENTAL OF CONNECTICUT, INC., contract 9742. For the contract year on this filing, the carrier reported $21,859 in premium earned and $12,856 in claims incurred. Dividing one by the other gives 59%.
- DELTA DENTAL OF NEW JERSEY, INC., contract 9742 reported $27,091 in retention.
- DELTA DENTAL OF CONNECTICUT, INC., contract 9742 reported $4,153 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.
Other plans filed by this employer
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