Form 5500 · Employee benefit plan · WILMINGTON, DE
JC USA, INC. AND AFFILIATES
The filing calls this plan JENNY CRAIG EMPLOYEE HEALTH CARE PLAN.
JC USA, INC. AND AFFILIATES of WILMINGTON, DE spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is CUSTOM BENEFIT PROGRAMS INC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 4 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 30-0800028 · plan 501 · plan year 2023, filed Jun 24, 2024
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8 other employer plans in Delaware have policy years ending in April. 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
Health: the largest of the 2 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 62 of 808 participants (7.7%) on Schedule A.
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, severance, 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, vision, life and disability.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $288,440, with $24,193 in disclosed broker commissions — about 8.4% of premium.
The health contract's policy period ended in April, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
CUSTOM BENEFIT PROGRAMS INC is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | — | 200 | Aug 1, 2023 | $19,884 | $16,675 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 788 | Aug 1, 2023 | $72,255 | $4,520 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 745 | Aug 1, 2023 | $38,445 | $2,304 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 12 | Aug 1, 2023 | $8,348 | $426 |
| METLIFE LEGAL PLANS | — | 39 | May 1, 2023 | $2,437 | $268 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 62 | May 1, 2023 | $99,156 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 23 | May 1, 2023 | $33,461 | $0 |
| VISION SERVICE PLAN | Vision | 499 | Jun 1, 2023 | $14,454 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30061149. For the contract year on this filing, the carrier reported $14,454 in premium earned and $25,582 in claims incurred. Dividing one by the other gives 177%.
- VISION SERVICE PLAN, contract 30061149 reported $2,024 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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