Form 5500 · Employee benefit plan · WILTON, CT
NVHG MANAGEMENT, LLC
The filing calls this plan NVHG MANAGEMENT, LLC BENEFIT PLAN.
NVHG MANAGEMENT, LLC of WILTON, CT insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-8216777 · plan 501 · plan year 2025, filed Jan 16, 2026
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20 other employer plans in Connecticut have policy years ending in August. 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: death benefits.
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 health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 1,924 people.
Reported premium across the insured contracts is $13,182,523, with $82,007 in disclosed broker commissions — about 0.6% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on all 2 contracts.
Two carriers split the book: AETNA LIFE INSURANCE COMPANY and STANDARD INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 1,924 | Sep 1, 2025 | $12,581,281 | $43,959 |
| STANDARD INSURANCE COMPANY | Life, Disability | 2,264 | Sep 1, 2025 | $601,242 | $38,048 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 171764. For the contract year on this filing, the carrier reported $524,765 in premium earned and $218,177 in claims incurred. Dividing one by the other gives 42%.
- STANDARD INSURANCE COMPANY, contract 171764 reported $350,083 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.
How this plan compares
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Renewal calendar
20 other employer plans in Connecticut are September 1 renewals (policy year ends August).
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