Form 5500 · Employee benefit plan · NEW YORK, NY
OPEN SOCIETY INSTITUTE
The filing calls this plan OPEN SOCIETY INSTITUTE HEALTH AND WELFARE PLAN.
OPEN SOCIETY INSTITUTE of NEW YORK, NY spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is AON CONSULTING - SOMERSET. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-7029285 · plan 502 · plan year 2025, filed Nov 24, 2025
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156 other employer plans in New York have policy years ending in May. 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, 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 854 people.
Reported premium across the insured contracts is $4,119,934, with $413,762 in disclosed broker commissions — about 10% of premium.
The health contract's policy period ended in May, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
AON CONSULTING - SOMERSET is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, FIRST UNUM LIFE INSURANCE COMPANY, NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK and ACE AMERICAN INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FIRST UNUM LIFE INSURANCE COMPANY | — | 165 | Jun 1, 2025 | $1,112,458 | $222,491 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 854 | Jun 1, 2025 | $2,769,312 | $177,280 |
| ACE AMERICAN INSURANCE COMPANY | — | 243 | Jun 1, 2025 | $34,214 | $11,975 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | 243 | Mar 1, 2025 | $13,443 | $2,016 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Life | 243 | Jun 1, 2025 | $99,911 | $0 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 102 | Jun 1, 2025 | $87,298 | $0 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 41 | Jun 1, 2025 | $3,298 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3211416. For the contract year on this filing, the carrier reported $2,769,312 in premium earned and $-104,868 in claims incurred. Dividing one by the other gives -4%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3211416 reported $1,224,181 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.
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