Form 5500 · Employee benefit plan · SHELTON, CT
HCP PACKAGING USA, INC
The filing calls this plan HCP PACKING USA, INC HEALTH AND WELFARE BENEFIT PLAN.
HCP PACKAGING USA, INC of SHELTON, CT is a 141-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is THE RICHARDS GROUP. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0217342 · plan 503 · plan year 2024, filed Apr 16, 2026
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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
Also declared: death benefits, 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.
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 CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 64 people.
Reported premium across the insured contracts is $936,889, with $8,595 in disclosed broker commissions — about 0.9% 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.
THE RICHARDS GROUP is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC., HARTFORD LIFE AND ACCIDENT and VISION SERVICE PLAN. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 55 | Jan 1, 2025 | $45,177 | $4,807 |
| DELTA DENTAL PLAN OF NEW HAMPSHIRE, INC. | Dental | 95 | Jan 1, 2025 | $61,670 | $3,213 |
| VISION SERVICE PLAN | Vision | 42 | Jan 1, 2025 | $6,306 | $575 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 64 | Jan 1, 2025 | $820,705 | $0 |
| ESI GROUP | — | 92 | Jan 1, 2025 | $3,031 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 627688. For the contract year on this filing, the carrier reported $820,705 in premium earned and $810,455 in claims incurred. Dividing one by the other gives 99%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 627688 reported $72,652 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.
Other plans filed by this employer
How this plan compares
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