Form 5500 · Employee benefit plan · SAINT LOUIS, MO
HORNER & SHIFRIN EMPLOYEE BENEFITS PLAN
The filing calls this plan HORNER & SHIFRIN, INC. EMPLOYEE BENEFIT PLAN.
HORNER & SHIFRIN EMPLOYEE BENEFITS PLAN of SAINT LOUIS, MO is a 279-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CIGNA HEALTH AND LIFE INSURANCE COM. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-0861661 · plan 501 · plan year 2025, filed Mar 16, 2026
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41 other employer plans in Missouri have policy years ending in May. 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
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 149 people.
Reported premium across the insured contracts is $811,066, with $106,536 in disclosed broker commissions — about 13% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
CIGNA HEALTH AND LIFE INSURANCE COM is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF MISSOURI, STANDARD INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 149 | Jun 1, 2025 | $514,313 | $68,090 |
| DELTA DENTAL OF MISSOURI | Dental | 333 | Jun 1, 2025 | $99,836 | $9,672 |
| STANDARD INSURANCE COMPANY | Disability | 172 | Jun 1, 2025 | $48,184 | $7,228 |
| STANDARD INSURANCE COMPANY | Disability | 172 | Jun 1, 2025 | $47,626 | $7,144 |
| STANDARD INSURANCE COMPANY | Life | 172 | Jun 1, 2025 | $44,929 | $6,792 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 165 | Jun 1, 2025 | $41,172 | $6,176 |
| ADVANTICA INSURANCE COMPANY | Vision | 245 | Jun 1, 2025 | $15,006 | $1,434 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 756506. For the contract year on this filing, the carrier reported $48,184 in premium earned and $5,158 in claims incurred. Dividing one by the other gives 11%.
STANDARD INSURANCE COMPANY, contract 756506. For the contract year on this filing, the carrier reported $47,626 in premium earned and $36,484 in claims incurred. Dividing one by the other gives 77%.
STANDARD INSURANCE COMPANY, contract 756506. For the contract year on this filing, the carrier reported $44,929 in premium earned and $1,899 in claims incurred. Dividing one by the other gives 4%.
- STANDARD INSURANCE COMPANY, contract 756506 reported $43,025 in retention.
- STANDARD INSURANCE COMPANY, contract 756506 reported $24,616 in retention.
- STANDARD INSURANCE COMPANY, contract 756506 reported $40,032 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
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