Form 5500 · Employee benefit plan · ISELIN, NJ
LIGHTBRIDGE HOLDINGS GROUP, INC.
The filing calls this plan LIGHTBRIDGE HOLDINGS GROUP, INC. HEALTH AND WELFARE PLAN.
LIGHTBRIDGE HOLDINGS GROUP, INC. of ISELIN, NJ is a 175-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KISTLER TIFFANY BNFTS GNRL AGY, LLC. Coverage is written through AMERIHEALTH INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-3913695 · plan 501 · plan year 2025, filed Feb 5, 2026
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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.
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 AMERIHEALTH INSURANCE COMPANY, covers 219 people.
Reported premium across the insured contracts is $2,036,364, with $152,470 in disclosed broker commissions — about 7.5% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
KISTLER TIFFANY BNFTS GNRL AGY, LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: AMERIHEALTH INSURANCE COMPANY and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERIHEALTH INSURANCE COMPANY | Health | 219 | Aug 1, 2025 | $1,893,834 | $141,547 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 175 | Aug 1, 2025 | $142,530 | $10,923 |
Premium and claims on this contract
AMERIHEALTH INSURANCE COMPANY, contract 1738662. For the contract year on this filing, the carrier reported $1,893,834 in premium earned and $1,059,266 in claims incurred. Dividing one by the other gives 56%.
- AMERIHEALTH INSURANCE COMPANY, contract 1738662 reported $306,663 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
How this plan compares
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