Form 5500 · Employee benefit plan · LAGRANGE, GA
OAKBRIDGE INSURANCE AGENCY
The filing calls this plan OAKBRIDGE INSURANCE AGENCY WELFARE BENEFITS PLAN.
OAKBRIDGE INSURANCE AGENCY of LAGRANGE, GA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is OAKBRIDGE INSURANCE AGENCY, LLC. Coverage is written through CIGNA HEALTH AND 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 85-3995724 · plan 501 · plan year 2025, filed Jul 8, 2026
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1,626 other employer plans in Georgia 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 621 people.
Reported premium across the insured contracts is $6,348,021, with $128,344 in disclosed broker commissions — about 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.
OAKBRIDGE INSURANCE AGENCY, LLC is the broker of record on all 5 contracts.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and STANDARD INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 621 | Jan 1, 2026 | $5,769,890 | $40,265 |
| STANDARD INSURANCE COMPANY | Life | 512 | Jan 1, 2026 | $188,114 | $27,193 |
| STANDARD INSURANCE COMPANY | Disability | 512 | Jan 1, 2026 | $174,796 | $25,196 |
| STANDARD INSURANCE COMPANY | Disability | 511 | Jan 1, 2026 | $131,881 | $19,022 |
| STANDARD INSURANCE COMPANY | Health | 142 | Jan 1, 2026 | $83,340 | $16,668 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 172217. For the contract year on this filing, the carrier reported $188,114 in premium earned and $176,832 in claims incurred. Dividing one by the other gives 94%.
STANDARD INSURANCE COMPANY, contract 172217. For the contract year on this filing, the carrier reported $174,796 in premium earned and $278,344 in claims incurred. Dividing one by the other gives 159%.
STANDARD INSURANCE COMPANY, contract 172217. For the contract year on this filing, the carrier reported $131,881 in premium earned and $71,025 in claims incurred. Dividing one by the other gives 54%.
- STANDARD INSURANCE COMPANY, contract 172217 reported $69,553 in retention.
- STANDARD INSURANCE COMPANY, contract 172217 reported $77,283 in retention.
- STANDARD INSURANCE COMPANY, contract 172217 reported $61,184 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.
Other plans filed by this employer
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