Form 5500 · Employee benefit plan · MURRAY HILL, NJ
NOKIA OF AMERICA CORPORATION
The filing calls this plan NOKIA RETIREE WELFARE BENEFITS PLAN.
NOKIA OF AMERICA CORPORATION of MURRAY HILL, NJ is a 54,923-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is AON CONSULTING. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-3408857 · plan 504 · plan year 2025, filed Sep 21, 2026
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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
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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 2 insured contracts covering dental and life; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 51,073 people.
The filing declares dental, 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.
Reported premium across the insured contracts is $91,761,850, with $180,000 in disclosed broker commissions — about 0.2% 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.
AON CONSULTING is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 51,073 | Jan 1, 2026 | $85,073,827 | $180,000 |
| AETNA LIFE INSURANCE COMPANY | Dental | 15,267 | Jan 1, 2026 | $6,688,023 | $0 |
Premium and claims on this contract
METROPOLITAN LIFE INSURANCE COMPANY, contract 95083G 190374G. For the contract year on this filing, the carrier reported $85,073,827 in premium earned and $86,059,987 in claims incurred. Dividing one by the other gives 101%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 95083G 190374G reported $3,600,810 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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 735 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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.
Other plans filed by this employer
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