Form 5500 · Employee benefit plan · GARDEN CITY, NY
LIFETIME BRANDS, INC.
The filing calls this plan LIFETIME BRANDS, INC. HEALTH AND WELFARE PLAN.
LIFETIME BRANDS, INC. of GARDEN CITY, NY spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BROWN & BROWN OF NEW YORK INC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-2682486 · plan 505 · plan year 2024, filed Oct 13, 2025
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3,536 other employer plans in New York have policy years ending in December. 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
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, 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 6 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 $1,940,611, with $82,740 in disclosed broker commissions — about 4.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
BROWN & BROWN OF NEW YORK INC is the broker of record on 3 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 165 | Jan 1, 2025 | $1,200,184 | $38,919 |
| MUTUAL OF OMAHA INSURANCE COMPANY | Life, Disability | 849 | Jan 1, 2025 | $307,606 | $26,434 |
| MCS LIFE INSURANCE COMPANY | Health | 42 | Jan 1, 2025 | $324,880 | $16,082 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 48 | Jan 1, 2025 | $13,013 | $1,304 |
| VISION SERVICE PLAN | Vision | 429 | Jan 1, 2025 | $94,928 | $1 |
| FEDERAL INSURANCE COMPANY | — | 0 | Feb 1, 2024 | — | $0 |
Premium and claims on this contract
MCS LIFE INSURANCE COMPANY, contract 79-790981. For the contract year on this filing, the carrier reported $324,880 in premium earned and $147,657 in claims incurred. Dividing one by the other gives 45%.
- MCS LIFE INSURANCE COMPANY, contract 79-790981 reported $16,082 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.
Reported to OSHA
Reported to OSHA for 2025: 244 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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