Form 5500 · Employee benefit plan · HIGHLAND HEIGHTS, OH
NORMAN NOBLE, INC.
The filing calls this plan NORMAN NOBLE, INC. CAFETERIA PLAN.
NORMAN NOBLE, INC. of HIGHLAND HEIGHTS, OH spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is CORPORATE PLANS LLC. Coverage is written through MEDICAL MUTUAL and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-0904696 · plan 501 · plan year 2025, filed May 11, 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
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
Also declared: other welfare.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with MEDICAL MUTUAL, covers 525 people.
Reported premium across the insured contracts is $4,965,332, with $86,141 in disclosed broker commissions — about 1.7% 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.
CORPORATE PLANS LLC is the broker of record on all 6 contracts.
4 carriers appear on the filing, including MEDICAL MUTUAL, DELTA DENTAL OF OHIO, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and THE LINCOLN NATIONAL LIFE INSURANCE AGENCY. MEDICAL MUTUAL writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MEDICAL MUTUAL | Health, Vision | 525 | Jan 1, 2026 | $4,275,017 | $26,500 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 238 | Jan 1, 2026 | $182,148 | $18,215 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 375 | Jan 1, 2026 | $136,926 | $13,693 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 361 | Jan 1, 2026 | $133,325 | $13,332 |
| DELTA DENTAL OF OHIO | Dental | 603 | Jan 1, 2026 | $189,534 | $9,563 |
| THE LINCOLN NATIONAL LIFE INSURANCE AGENCY | Life | 489 | Jan 1, 2026 | $48,382 | $4,838 |
Premium and claims on these contracts
MEDICAL MUTUAL, contract 0135057-01. For the contract year on this filing, the carrier reported $4,275,017 in premium earned and $3,813,944 in claims incurred. Dividing one by the other gives 89%.
DELTA DENTAL OF OHIO, contract 0000049. For the contract year on this filing, the carrier reported $189,514 in premium earned and $142,809 in claims incurred. Dividing one by the other gives 75%.
- MEDICAL MUTUAL, contract 0135057-01 reported $425,718 in retention.
- DELTA DENTAL OF OHIO, contract 0000049 reported $32,957 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.
Reported to OSHA
Reported to OSHA for 2025: 498 employees, 2 recordable cases, 54 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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