Form 5500 · Employee benefit plan · ST. LOUIS, MO
NEW GROWTH HORIZON, LLC
NEW GROWTH HORIZON, LLC of ST. LOUIS, MO spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through ALL SAVERS INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-2436792 · plan 501 · plan year 2024, filed Apr 24, 2025
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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.
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 4 insured contracts covering dental, vision, life and stop-loss; the largest, with ALL SAVERS INSURANCE COMPANY, covers 305 people.
The filing declares dental, vision, life and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $927,330 in premium and $94,801 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $1,065,117, with $108,640 in disclosed broker commissions — about 10% of premium.
The most recent policy period ended in September, and the plan year ends September 30. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ALL SAVERS INSURANCE COMPANY | Stop-loss | 305 | Oct 1, 2024 | $927,330 | $94,801 |
| DELTA DENTAL OF MISSOURI | Dental | 370 | Oct 1, 2024 | $118,075 | $11,963 |
| ADVANTICA INSURANCE COMPANY | Vision | 298 | Oct 1, 2024 | $18,731 | $1,876 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Life | 305 | Oct 1, 2024 | $981 | $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.
How this plan compares
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