Form 5500 · Employee benefit plan · RUTHERFORD, NJ
METRO - ILA FRINGE BENEFIT FUND
METRO - ILA FRINGE BENEFIT FUND of RUTHERFORD, NJ insures health, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is JOHN H BLASCH. Coverage is written through HARTFORD LIFE AND ACCIDENT and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-3050863 · plan 501 · plan year 2024, filed Oct 15, 2025
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1,512 other employer plans in New Jersey 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
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
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 5 insured contracts covering health, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 900 people.
The filing declares health, life, disability, dental and vision. Dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $1,982,477, with $127,397 in disclosed broker commissions — about 6.4% 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.
JOHN H BLASCH is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Disability | 900 | Jan 1, 2025 | $818,300 | $113,348 |
| HARTFORD LIFE AND ACCIDENT | Disability | 92 | Jan 1, 2025 | $96,350 | $9,178 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 4,008 | Jan 1, 2025 | $157,293 | $4,871 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 205 | Jan 1, 2025 | $800,192 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 35 | Jan 1, 2025 | $110,342 | $0 |
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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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Renewal calendar
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