Form 5500 · Employee benefit plan · PARSIPPANY, NJ
LANGAN ENGINEERING, ENVIRONMENTAL, SURVEYING LANDSCAPE ARCHITECTURE
The filing calls this plan LANGAN ENGINEERING AND ENVIRONMENTAL SERVICES, INC. HEALTH AND WELFARE PLAN.
Public Form 5500 records show how LANGAN ENGINEERING, ENVIRONMENTAL, SURVEYING LANDSCAPE ARCHITECTURE of PARSIPPANY, NJ, a professional services employer, structures its employee benefits. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 4 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-1134493 · plan 501 · plan year 2024, filed Aug 13, 2024
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95 other employer plans in New Jersey have policy years ending in March. 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: KAISER FOUNDATION HEALTH PLAN, INC. covers 100 of 1,570 participants (6.4%) on Schedule A.
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 5 insured contracts covering health, life and disability.
The filing declares health, life, disability, dental and vision. Dental and vision appear 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $1,685,120, with $127,218 in disclosed broker commissions — about 7.5% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
USI INSURANCE SERVICES LLC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life | 1,581 | Apr 1, 2024 | $542,880 | $50,871 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 100 | Apr 1, 2024 | $694,023 | $34,430 |
| NORTHWESTERN MUTUAL | Disability | 1,570 | Jan 1, 2024 | $316,439 | $33,943 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 738 | Apr 1, 2024 | $131,778 | $7,974 |
| FEDERAL INSURANCE COMPANY | — | 1,607 | Apr 1, 2024 | — | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 171276. For the contract year on this filing, the carrier reported $542,880 in premium earned and $512,740 in claims incurred. Dividing one by the other gives 94%.
NORTHWESTERN MUTUAL, contract 663183. For the contract year on this filing, the carrier reported $316,439 in premium earned and $-380,427 in claims incurred. Dividing one by the other gives -120%.
- STANDARD INSURANCE COMPANY, contract 171276 reported $269,937 in retention.
- NORTHWESTERN MUTUAL, contract 663183 reported $696,867 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.
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Renewal calendar
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