Form 5500 · Employee benefit plan · SHELTON, CT
LIGHTBOX EMPLOYER, L.L.C.
The filing calls this plan LIGHTBOX EMPLOYER, L.L.C. WELFARE PLAN.
LIGHTBOX EMPLOYER, L.L.C. of SHELTON, CT insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is NFP CORPORATE SERVICES (OK) LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-5392395 · plan 509 · plan year 2024, filed Oct 14, 2025
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692 other employer plans in Connecticut 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
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: 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 11 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 302 people.
Reported premium across the insured contracts is $6,710,308, with $145,638 in disclosed broker commissions — about 2.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
NFP CORPORATE SERVICES (OK) LLC is the broker of record on 1 of the 11 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, BLUECROSS BLUESHIELD OF OKLAHOMA, KAISER FOUNDATION HEALTH PLAN, INC. and LIFE INSURANCE COMPANY OF NORTH AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF OKLAHOMA | Health, Dental | 126 | Jan 1, 2025 | $995,232 | $48,654 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 347 | Jan 1, 2025 | $51,434 | $25,520 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 59 | Jan 1, 2025 | $334,298 | $16,691 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 302 | Jan 1, 2025 | $150,847 | $15,085 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 175 | Jan 1, 2025 | $76,465 | $13,513 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 302 | Jan 1, 2025 | $94,561 | $9,456 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 302 | Jan 1, 2025 | $90,929 | $9,093 |
| VISION SERVICE PLAN | Vision | 396 | Jan 1, 2025 | $69,198 | $3,453 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 302 | Jan 1, 2025 | $28,814 | $2,881 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 302 | Jan 1, 2025 | $16,187 | $1,292 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 302 | Jan 1, 2025 | $4,802,343 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00634185. For the contract year on this filing, the carrier reported $4,802,343 in premium earned and $4,366,542 in claims incurred. Dividing one by the other gives 91%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00634185 reported $318,296 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.
Other plans filed by this employer
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