Form 5500 · Employee benefit plan · PORTSMOUTH, NH
IRVING OIL TERMINALS INC
The filing calls this plan IRVING OIL CORPORATION CAFETERIA PLAN 125.
Public Form 5500 records show how IRVING OIL TERMINALS INC of PORTSMOUTH, NH, a wholesale trade employer, structures its employee benefits. Its broker of record is ACADIA BENEFITS INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3430664 · plan 501 · plan year 2025, filed Mar 2, 2026
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14 other employer plans in New Hampshire have policy years ending in July. 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 592 people.
Reported premium across the insured contracts is $15,969,505, with $64,872 in disclosed broker commissions — about 0.4% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
ACADIA BENEFITS INC is the broker of record on all 7 contracts.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL PLAN OF MAINE, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and RED TREE INSURANCE COMPANY, INC.. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL PLAN OF MAINE | Dental | 1,309 | Aug 1, 2025 | $621,788 | $20,357 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 696 | Aug 1, 2025 | $314,147 | $15,708 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 527 | Aug 1, 2025 | $228,657 | $11,433 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | Aug 1, 2025 | $31,856 | $9,991 |
| RED TREE INSURANCE COMPANY, INC. | Vision | 797 | Aug 1, 2025 | $60,878 | $6,988 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 592 | Aug 1, 2025 | $14,711,181 | $345 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 21 | Aug 1, 2025 | $998 | $50 |
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.
Reported to OSHA
Reported to OSHA for 2025: 263 employees, 5 recordable cases, 206 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
14 other employer plans in New Hampshire are August 1 renewals (policy year ends July).
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