Form 5500 · Employee benefit plan · PAWTUCKET, RI
HEALTH CONCEPTS, LTD
The filing calls this plan HEALTH CONCEPTS LTD WELFARE PLAN.
HEALTH CONCEPTS, LTD of PAWTUCKET, RI is a 403-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is THE HILB GROUP OF NEW ENGLAND LLC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0400913 · plan 501 · plan year 2025, filed Jun 12, 2026
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170 other employer plans in Rhode Island 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.
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 6 insured contracts covering health, dental, vision and life; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 610 people.
Reported premium across the insured contracts is $5,591,064, with $12,760 in disclosed broker commissions — about 0.2% 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.
THE HILB GROUP OF NEW ENGLAND LLC is the broker of record on 5 of the 6 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, DELTA DENTAL OF RHODE ISLAND and BOSTON MUTUAL LIFE INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF RHODE ISLAND | Dental | 543 | Jan 1, 2026 | $176,215 | $5,286 |
| DELTA DENTAL OF RHODE ISLAND | Vision | 467 | Jan 1, 2026 | $33,477 | $3,347 |
| DELTA DENTAL OF RHODE ISLAND | Dental | 199 | Jan 1, 2026 | $62,325 | $1,870 |
| BOSTON MUTUAL LIFE INSURANCE COMPANY | Life | 392 | Jan 1, 2026 | $18,678 | $1,167 |
| DELTA DENTAL OF RHODE ISLAND | Vision | 150 | Jan 1, 2026 | $10,895 | $1,090 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 610 | Jan 1, 2026 | $5,289,474 | $0 |
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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Renewal calendar
170 other employer plans in Rhode Island are January 1 renewals (policy year ends December).
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