Form 5500 · Employee benefit plan · NEW YORK, NY
JUSTWORKS EMPLOYMENT GROUP LLC
The filing calls this plan JUSTWORKS GROUP HEALTH & WELFARE PLAN.
JUSTWORKS EMPLOYMENT GROUP LLC of NEW YORK, NY spreads its employee benefits across 9 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is JUSTWORKS INSURANCE SERVICES. Coverage is written through AETNA LIFE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-2283648 · plan 501 · plan year 2025, filed Apr 24, 2026
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109 other employer plans in New York have policy years ending in October. 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.
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 13 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 179,301 people.
Reported premium across the insured contracts is $1,603,129,379, with $5,482,339 in disclosed broker commissions — about 0.3% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
JUSTWORKS INSURANCE SERVICES is the broker of record on 3 of the 13 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, UNITEDHEALTHCARE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY and KAISER FOUNDATION HEALTH PLAN, INC.. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 179,301 | Nov 1, 2025 | $1,426,758,490 | $2,271,280 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision, Life, Disability | 235,584 | Nov 1, 2025 | $27,615,892 | $1,333,171 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 60,888 | Nov 1, 2025 | $35,628,215 | $1,063,272 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 162,220 | Nov 1, 2025 | $16,150,925 | $814,616 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 15,505 | Nov 1, 2025 | $63,445,559 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2,614 | Nov 1, 2025 | $16,238,393 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,532 | Nov 1, 2025 | $7,905,920 | $0 |
| AETNA HEALTH, INC. | Health | 964 | Nov 1, 2025 | $6,044,330 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 182 | Nov 1, 2025 | $980,749 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 129 | Nov 1, 2025 | $811,549 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 117 | Nov 1, 2025 | $647,834 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 80 | Nov 1, 2025 | $461,615 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 92 | Nov 1, 2025 | $439,908 | $0 |
Premium and claims on these contracts
AETNA LIFE INSURANCE COMPANY, contract 0868062. For the contract year on this filing, the carrier reported $70,979,312 in premium earned and $54,098,405 in claims incurred. Dividing one by the other gives 76%.
METROPOLITAN LIFE INSURANCE COMPANY, contract 0235676. For the contract year on this filing, the carrier reported $35,628,215 in premium earned and $28,660,362 in claims incurred. Dividing one by the other gives 80%.
- AETNA LIFE INSURANCE COMPANY, contract 0868062 reported $11,508,426 in retention.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 0235676 reported $4,236,063 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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