Form 5500 · Employee benefit plan · PLYMOUTH, MN
HOMEWARD BOUND, INC.
The filing calls this plan HOMEWARD BOUND EMPLOYEE BENEFIT PLAN.
HOMEWARD BOUND, INC. of PLYMOUTH, MN is a 161-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS TOWERS WATSON MIDWEST INC. Coverage is written through DELTA DENTAL OF MINNESOTA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-1223085 · plan 501 · plan year 2023, filed May 8, 2024
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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.
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 5 insured contracts covering dental, vision, life and disability; the largest, with DELTA DENTAL OF MINNESOTA, covers 116 people.
Reported premium across the insured contracts is $105,751, with $13,133 in disclosed broker commissions — about 12% 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.
WILLIS TOWERS WATSON MIDWEST INC is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including DELTA DENTAL OF MINNESOTA, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, USABLE LIFE and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. DELTA DENTAL OF MINNESOTA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF MINNESOTA | Dental | 116 | Jan 1, 2024 | $47,980 | $4,840 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 47 | Jan 1, 2024 | $23,144 | $3,472 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 34 | Jan 1, 2024 | $19,890 | $2,984 |
| USABLE LIFE | Life | 170 | Jan 1, 2024 | $9,076 | $1,274 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 71 | Jan 1, 2024 | $5,661 | $563 |
Premium and claims on this contract
DELTA DENTAL OF MINNESOTA, contract 554615. For the contract year on this filing, the carrier reported $47,980 in premium earned and $34,110 in claims incurred. Dividing one by the other gives 71%.
- DELTA DENTAL OF MINNESOTA, contract 554615 reported $7,197 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: 94 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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