Form 5500 · Employee benefit plan · CLEARFIELD, UT
LIFETIME PRODUCTS, INC.
The filing calls this plan LIFETIME PRODUCTS, INC. WELFARE & FLEXIBLE BENEFITS PLAN.
LIFETIME PRODUCTS, INC. of CLEARFIELD, UT spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is KEYES INSURANCE SERVICES INC. Coverage is written through SELECTHEALTH and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-0433254 · plan 501 · plan year 2025, filed Jul 15, 2026
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41 other employer plans in Utah have policy years ending in June. 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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, dental, life and disability; the largest, with SELECTHEALTH, covers 2,314 people.
The filing declares health, life, disability and vision. Vision 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $13,354,223, with $204,292 in disclosed broker commissions — about 1.5% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
KEYES INSURANCE SERVICES INC is the broker of record on 5 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Health | 225 | Jul 1, 2025 | $1,189,163 | $65,313 |
| SELECTHEALTH | Health | 2,314 | Jan 1, 2026 | $10,404,920 | $62,326 |
| AMERITAS LIFE INSURANCE CORP. | Dental | 3,093 | Jan 1, 2026 | $788,636 | $23,659 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 1,793 | Jan 1, 2026 | $390,700 | $14,757 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 180 | Jan 1, 2026 | $53,094 | $10,619 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,612 | Jan 1, 2026 | $274,514 | $10,454 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 268 | Jan 1, 2026 | $46,454 | $9,291 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 1,612 | Jan 1, 2026 | $206,742 | $7,873 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 139009. For the contract year on this filing, the carrier reported $1,189,163 in premium earned and $808,257 in claims incurred. Dividing one by the other gives 68%.
- BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 139009 reported $192,869 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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