Form 5500 · Employee benefit plan · NEW YORK, NY
M&C SAATCHI AGENCY INC.
The filing calls this plan M&C SAATCHI AGENCY MEDICAL, DENTAL, AND VISION PLAN.
M&C SAATCHI AGENCY INC. of NEW YORK, NY is a 150-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BROWN & BROWN INS SVC INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-3638296 · plan 501 · plan year 2025, filed Mar 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
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 2 insured contracts covering health, dental and vision; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 173 people.
Reported premium across the insured contracts is $1,853,253, with $11,353 in disclosed broker commissions — about 0.6% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN INS SVC INC is the broker of record on all 2 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 150 | Jun 1, 2025 | $156,921 | $11,353 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 173 | Jun 1, 2025 | $1,696,332 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00653886. For the contract year on this filing, the carrier reported $1,696,332 in premium earned and $1,907,336 in claims incurred. Dividing one by the other gives 112%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00653886 reported $138,590 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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