Form 5500 · Employee benefit plan · CHESHIRE, CT
OSTERMAN & COMPANY, INC.
The filing calls this plan OSTERMAN & COMPANY, INC. HEALTH AND WELFARE BENEFITS PLAN.
OSTERMAN & COMPANY, INC. of CHESHIRE, CT insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-3048260 · plan 515 · plan year 2025, filed May 28, 2026
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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.
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 UNITEDHEALTHCARE INSURANCE COMPANY, covers 191 people.
Reported premium across the insured contracts is $1,588,612, with $71,518 in disclosed broker commissions — about 4.5% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
DIGITAL INSURANCE INC. is the broker of record on 5 of the 6 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, STANDARD INSURANCE COMPANY and EYEMED VISION CARE. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 191 | Nov 1, 2025 | $1,421,363 | $56,855 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 191 | Nov 1, 2025 | $91,787 | $8,261 |
| STANDARD INSURANCE COMPANY | Disability | 38 | Nov 1, 2025 | $31,066 | $2,693 |
| STANDARD INSURANCE COMPANY | Life | 117 | Nov 1, 2025 | $22,630 | $1,620 |
| EYEMED VISION CARE | Vision | 83 | Nov 1, 2025 | $8,367 | $1,177 |
| STANDARD INSURANCE COMPANY | Disability | 117 | Nov 1, 2025 | $13,399 | $912 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 170674. For the contract year on this filing, the carrier reported $31,066 in premium earned and $-1,455 in claims incurred. Dividing one by the other gives -5%.
STANDARD INSURANCE COMPANY, contract 170674. For the contract year on this filing, the carrier reported $22,630 in premium earned and $11 in claims incurred. Dividing one by the other gives 0%.
STANDARD INSURANCE COMPANY, contract 170674. For the contract year on this filing, the carrier reported $13,399 in premium earned and $7,011 in claims incurred. Dividing one by the other gives 52%.
- STANDARD INSURANCE COMPANY, contract 170674 reported $32,521 in retention.
- STANDARD INSURANCE COMPANY, contract 170674 reported $22,620 in retention.
- STANDARD INSURANCE COMPANY, contract 170674 reported $6,387 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
How this plan compares
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