Form 5500 · Employee benefit plan · COLUMBIA, MD
OWL CYBER DEFENSE SOLUTIONS LLC
The filing calls this plan OWL CYBER DEFENSE SOLUTIONS, LLC WRAP BENEFIT PLAN.
OWL CYBER DEFENSE SOLUTIONS LLC of COLUMBIA, MD insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is THE MELTZER GROUP. 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 52-2195633 · plan 501 · plan year 2025, filed Apr 13, 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: 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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 353 people.
Reported premium across the insured contracts is $3,849,902, with $25,647 in disclosed broker commissions — about 0.7% 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.
THE MELTZER GROUP is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 353 | Jan 1, 2026 | $3,649,276 | $25,647 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 249 | Jan 1, 2026 | $149,678 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 83 | Jan 1, 2026 | $50,948 | $0 |
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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