Form 5500 · Employee benefit plan · SOLON, OH
NESTLE USA, INC. ATTN HEALTH & WELFARE
The filing calls this plan NESTLE USA NESCARE PLAN.
NESTLE USA, INC. ATTN HEALTH & WELFARE of SOLON, OH is a 36,375-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through SELECTHEALTH and 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 95-1572209 · plan 601 · plan year 2025, filed Jul 28, 2026
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2,504 other employer plans in Ohio 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
Health: the largest of the 10 insured health contracts, with SELECTHEALTH, covers 721 of 36,375 participants (2%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 140 of 36,375 participants (0.4%) on Schedule A.
Vision: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 140 of 36,375 participants (0.4%) on Schedule A.
Also declared: death benefits, other welfare, prepaid legal.
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 14 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $59,318,576, with $530,913 in disclosed broker commissions — about 0.9% 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.
LOCKTON COMPANIES, LLC is the broker of record on 3 of the 14 contracts; the rest name a different broker or none.
12 carriers appear on the filing, including SELECTHEALTH, SECURIAN LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA and INDEPENDENT HEALTH. SELECTHEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SECURIAN LIFE INSURANCE COMPANY | Life | 93,729 | Jan 1, 2026 | $12,027,026 | $306,613 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 5,836 | Jan 1, 2026 | $1,373,112 | $130,103 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 140 | Jan 1, 2026 | $1,569,950 | $94,197 |
| SELECTHEALTH | Health | 721 | Jan 1, 2026 | $12,461,051 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 34,737 | Jan 1, 2026 | $9,168,319 | $0 |
| INDEPENDENT HEALTH | Health | 304 | Jan 1, 2026 | $6,488,446 | $0 |
| HEALTH ADVANTAGE BLUE CROSS BLUE SHIELD OF ARKANSAS | Health | 321 | Jan 1, 2026 | $6,045,662 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | Health | 555 | Jan 1, 2026 | $3,210,617 | $0 |
| SPRING HEALTH | — | 94,121 | Jan 1, 2026 | $2,738,293 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 363 | Jan 1, 2026 | $2,185,712 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. (CALIFORNIA) | Health | 218 | Jan 1, 2026 | $1,733,418 | $0 |
| KEYSTONE HEALTH PLAN CENTRAL | Health | 7 | Jan 1, 2026 | $230,854 | $0 |
| BLUE CROSS BLUE SHIELD OF HAWAII | Health | 8 | Jan 1, 2026 | $65,635 | $0 |
| SELECTHEALTH | Health | 3 | Jan 1, 2026 | $20,481 | $0 |
Premium and claims on these contracts
SECURIAN LIFE INSURANCE COMPANY, contract 70336-G. For the contract year on this filing, the carrier reported $5,366,533 in premium earned and $4,979,455 in claims incurred. Dividing one by the other gives 93%.
HEALTH ADVANTAGE BLUE CROSS BLUE SHIELD OF ARKANSAS, contract 150054. For the contract year on this filing, the carrier reported $6,045,662 in premium earned and $8,281,944 in claims incurred. Dividing one by the other gives 137%.
- SECURIAN LIFE INSURANCE COMPANY, contract 70336-G reported $387,078 in retention.
- HEALTH ADVANTAGE BLUE CROSS BLUE SHIELD OF ARKANSAS, contract 150054 reported $1,042,739 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: 2,584 employees, 24 recordable cases, 277 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
Other plans filed by this employer
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