Form 5500 · Employee benefit plan · DENVER, CO
JANUS HENDERSON US (HOLDINGS) INC.
The filing calls this plan JANUS HENDERSON US (HOLDINGS) INC. WELFARE BENEFIT PLAN.
JANUS HENDERSON US (HOLDINGS) INC. of DENVER, CO is a 1,000-participant finance and insurance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through HARTFORD LIFE AND ACCIDENT and 4 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 43-1804048 · plan 501 · plan year 2024, filed Oct 3, 2025
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16 other employer plans in Colorado have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 3 of 1,000 participants (0.3%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 3 of 1,000 participants (0.3%) on Schedule A.
Also declared: death benefits, 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 1,001 people.
Reported premium across the insured contracts is $1,447,197, with $69,438 in disclosed broker commissions — about 4.8% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 6 of the 8 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HARTFORD LIFE AND ACCIDENT, CIGNA HEALTH AND LIFE INSURANCE COMPANY, VISION SERVICE PLAN and UNITED BEHAVIORAL HEALTH DBA OPTUM. HARTFORD LIFE AND ACCIDENT writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 1,001 | Jan 1, 2025 | $1,004,918 | $50,246 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 3 | Sep 1, 2024 | $158,992 | $15,899 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 995 | Jan 1, 2025 | $6,796 | $1,359 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 995 | Jan 1, 2025 | $6,592 | $1,318 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Life | 3 | Sep 1, 2024 | $6,158 | $616 |
| VISION SERVICE PLAN | Vision | 717 | Jan 1, 2025 | $132,392 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 995 | Jan 1, 2025 | $115,641 | $0 |
| UNITED BEHAVIORAL HEALTH DBA OPTUM | — | 986 | Jan 1, 2025 | $15,708 | $0 |
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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