Form 5500 · Employee benefit plan · BRIDGETON, NJ
INSPIRA HEALTH NETWORK, INC.
The filing calls this plan INSPIRA HEALTH NETWORK BENEFITS PROGRAM.
INSPIRA HEALTH NETWORK, INC. of BRIDGETON, NJ insures dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is NJHA HEALTHCARE BUSINESS SOLUTIONS. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 21-0634484 · plan 501 · plan year 2025, filed Jan 14, 2026
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1,512 other employer plans in New Jersey 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
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
Dental: HORIZON HEALTHCARE DENTAL, INC. covers 539 of 7,466 participants (7.2%) 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.
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 4 insured contracts covering dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 7,263 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $3,190,459, with $126,152 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in December, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
NJHA HEALTHCARE BUSINESS SOLUTIONS is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 7,263 | Jan 1, 2025 | $1,278,293 | $126,152 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 4,959 | Jan 1, 2025 | $1,178,359 | $0 |
| VISION SERVICE PLAN | Vision | 4,136 | Apr 1, 2025 | $569,265 | $0 |
| HORIZON HEALTHCARE DENTAL, INC. | Dental | 539 | Apr 1, 2025 | $164,542 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 40158811. For the contract year on this filing, the carrier reported $569,265 in premium earned and $428,693 in claims incurred. Dividing one by the other gives 75%.
- VISION SERVICE PLAN, contract 40158811 reported $91,082 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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