Form 5500 · Employee benefit plan · DANBURY, CT
LINDE INC.
The filing calls this plan LINDE COMPREHENSIVE WELFARE BENEFIT PLAN.
LINDE INC. of DANBURY, CT insures health, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS ADMIN, LLC. Coverage is written through LIFE INSURANCE COMPANY OF NORTH AMERICA and 8 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-1249050 · plan 562 · plan year 2025, filed Mar 12, 2026
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101 other employer plans in Connecticut 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
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
4 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, severance, 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 13 insured contracts covering health, vision, life and disability; the largest, with LIFE INSURANCE COMPANY OF NORTH AMERICA, covers 14,865 people.
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 4 contracts here that do not say what they cover.
Reported premium across the insured contracts is $12,134,018, with $244,124 in disclosed broker commissions — about 2% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MERCER HEALTH & BENEFITS ADMIN, LLC is the broker of record on 1 of the 13 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 14,865 | Jul 1, 2025 | $3,903,183 | $117,095 |
| METLIFE LEGAL PLANS | — | 3,863 | Jul 1, 2025 | $666,732 | $61,770 |
| AETNA LIFE INSURANCE COMPANY | Health | 3,167 | Jul 1, 2025 | $242,094 | $49,771 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 11,014 | Jul 1, 2025 | $3,691,425 | $12,691 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 1,844 | Jul 1, 2025 | $485,967 | $1,567 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 426 | Jul 1, 2025 | $300,878 | $1,230 |
| VISION SERVICE PLAN | Vision | 8,195 | Jul 1, 2025 | $1,194,554 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 16,235 | Jul 1, 2025 | $815,954 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 178 | Jul 1, 2025 | $448,283 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 21 | Jul 1, 2025 | $236,454 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 14,855 | Jul 1, 2025 | $148,494 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 9,549 | Jul 1, 2025 | — | $0 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 9,521 | Jul 1, 2025 | — | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30013542. For the contract year on this filing, the carrier reported $1,194,554 in premium earned and $991,889 in claims incurred. Dividing one by the other gives 83%.
- VISION SERVICE PLAN, contract 30013542 reported $168,432 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: 2,014 employees, 6 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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