Form 5500 · Employee benefit plan · EAST HARTFORD, CT
INTERCOMMUNITY, INC.
The filing calls this plan INTERCOMMUNITY, INC. BENFITS PLAN.
Public Form 5500 records show how INTERCOMMUNITY, INC. of EAST HARTFORD, CT, a health care and social assistance employer, structures its employee benefits. Its broker of record is SMITH BROTHERS INSURANCE, LLC. Coverage is written through CIGNA HEALTH AND LIFE 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 06-0954809 · plan 501 · plan year 2025, filed Jul 21, 2026
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692 other employer plans in Connecticut 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: death benefits.
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 health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 340 people.
Reported premium across the insured contracts is $4,936,349, with $20,538 in disclosed broker commissions — about 0.4% 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.
SMITH BROTHERS INSURANCE, LLC is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY and AMERITAS LIFE INSURANCE CORP.. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life, Disability | 304 | Jan 1, 2026 | $178,280 | $9,412 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Dental | 233 | Jan 1, 2026 | $189,475 | $9,372 |
| AMERITAS LIFE INSURANCE CORP. | Vision | 466 | Jan 1, 2026 | $26,690 | $1,754 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 340 | Jan 1, 2026 | $4,541,904 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 173433. For the contract year on this filing, the carrier reported $178,280 in premium earned and $215,063 in claims incurred. Dividing one by the other gives 121%.
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 634313. For the contract year on this filing, the carrier reported $4,541,904 in premium earned and $5,236,813 in claims incurred. Dividing one by the other gives 115%.
- STANDARD INSURANCE COMPANY, contract 173433 reported $125,075 in retention.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 634313 reported $276,698 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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Renewal calendar
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