Form 5500 · Employee benefit plan · LOUISVILLE, KY
HAIER US APPLIANCE SOLUTIONS, INC
The filing calls this plan GE APPLIANCES HEALTH AND WELFARE BENEFIT PLAN FOR EMPLOYEES.
HAIER US APPLIANCE SOLUTIONS, INC of LOUISVILLE, KY spreads its employee benefits across 8 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON. Coverage is written through METROPOLITAN 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 81-1692501 · plan 501 · plan year 2024, filed Jul 29, 2025
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679 other employer plans in Kentucky 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 2 insured health contracts, with MCS LIFE INSURANCE COMPANY, covers 91 of 16,266 participants (0.6%) on Schedule A.
Vision: MCS LIFE INSURANCE COMPANY covers 91 of 16,266 participants (0.6%) 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 9 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 24,441 people.
Reported premium across the insured contracts is $22,101,767, with $228,277 in disclosed broker commissions — about 1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
WILLIS TOWERS WATSON is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, SECURIAN LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA and MCS LIFE INSURANCE COMPANY. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 2,379 | Jan 1, 2025 | $613,994 | $129,379 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 10,167 | Jan 1, 2025 | $3,275,301 | $60,054 |
| MCS LIFE INSURANCE COMPANY | Health, Dental, Vision, Life | 91 | Jan 1, 2025 | $698,473 | $34,574 |
| ACE AMERICAN INSURANCE COMPANY | — | 15,504 | Sep 5, 2024 | $25,033 | $3,755 |
| MAPFRE LIFE INSURANCE COMPANY | Disability | 105 | Jan 1, 2025 | $3,432 | $515 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 24,441 | Jan 1, 2025 | $8,964,807 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 15,836 | Jan 1, 2025 | $7,707,147 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | — | 10,133 | Jan 1, 2025 | $706,020 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 14 | Feb 29, 2024 | $107,560 | $0 |
Premium and claims on this contract
MCS LIFE INSURANCE COMPANY, contract 791522. For the contract year on this filing, the carrier reported $698,473 in premium earned and $220,439 in claims incurred. Dividing one by the other gives 32%.
- MCS LIFE INSURANCE COMPANY, contract 791522 reported $34,574 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: 8,976 employees, 188 recordable cases, 3,048 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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