Form 5500 · Employee benefit plan · MEMPHIS, TN
K.T.G. USA LP
The filing calls this plan K.T.G. (USA) INC. GROUP WELFARE PLAN.
Public Form 5500 records show how K.T.G. USA LP of MEMPHIS, TN, a manufacturing employer, structures its employee benefits. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 48-1280850 · plan 501 · plan year 2024, filed Oct 10, 2025
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56 other employer plans in Tennessee 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
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, 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.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 377 people.
Reported premium across the insured contracts is $3,602,305, with $228,489 in disclosed broker commissions — about 6.3% of premium.
The health contract's policy period ended in April, 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 all 2 contracts.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and PRUDENTIAL INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 377 | May 1, 2024 | $3,075,502 | $150,174 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 434 | Jan 1, 2025 | $526,803 | $78,315 |
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
56 other employer plans in Tennessee are May 1 renewals (policy year ends April).
Their policy years end in April, like this plan’s, so most renew May 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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