Form 5500 · Employee benefit plan · ELKHART, IN
PATRICK INDUSTRIES, INC.
The filing calls this plan PATRICK INDUSTRIES, INC. GROUP LIFE AND HEALTH PLAN.
Public Form 5500 records show how PATRICK INDUSTRIES, INC. of ELKHART, IN, a manufacturing employer, structures its employee benefits. Its broker of record is CUSTOM BNFT PROGRAMS INC. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 16 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 35-1057796 · plan 501 · plan year 2025, filed Jul 7, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,291 other employer plans in Indiana 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: prepaid legal, 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 26 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $49,855,490, with $1,372,422 in disclosed broker commissions — about 2.8% 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.
CUSTOM BNFT PROGRAMS INC is the broker of record on 1 of the 26 contracts; the rest name a different broker or none.
17 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, AETNA LIFE INSURANCE COMPANY, ANTHEM INSURANCE COMPANIES, INC. and PRIORITY HEALTH INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 516 | Jan 1, 2026 | $458,685 | $458,091 |
| ANTHEM INSURANCE COMPANIES, INC. | Health | 1,178 | Jan 1, 2026 | $8,778,620 | $220,167 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 2,061 | Jan 1, 2026 | $305,835 | $126,106 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,882 | Jan 1, 2026 | $179,021 | $114,512 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,680 | Jan 1, 2026 | $123,581 | $78,854 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 605 | Jan 1, 2026 | $2,516,969 | $74,957 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 1,359 | Jan 1, 2026 | $19,026,913 | $48,495 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 1,373 | Jan 1, 2026 | $513,686 | $41,850 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 1,161 | Jan 1, 2026 | $744,148 | $40,893 |
| DELTA DENTAL OF INDIANA | Dental | 1,731 | Jan 1, 2026 | $621,029 | $33,983 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 292 | Jan 1, 2026 | $57,103 | $30,276 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 1,115 | Jan 1, 2026 | $426,131 | $24,262 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 2,398 | Jan 1, 2026 | $13,589,845 | $20,695 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 528 | Jan 1, 2026 | $338,402 | $20,071 |
| VISION SERVICE PLAN | Vision | 1,477 | Jan 1, 2026 | $259,517 | $19,475 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 963 | Jan 1, 2026 | $110,674 | $7,602 |
| UPMC HEALTH OPTIONS | Health | 21 | Jan 1, 2026 | $151,438 | $4,153 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 5,364 | Jan 1, 2026 | $995,671 | $2,631 |
| EYEMED VISION CARE | Vision | 1,029 | Jan 1, 2026 | $55,891 | $2,365 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 5 | Jan 1, 2026 | $48,421 | $1,317 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 5 | Jan 1, 2026 | $32,014 | $865 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 2 | Jan 1, 2026 | $17,851 | $536 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 1 | Jan 1, 2026 | $8,926 | $223 |
| GEISINGER QUALITY OPTIONS, INC. | Health | 1 | Mar 1, 2025 | $1,422 | $43 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 36 | Jan 1, 2026 | $334,174 | $0 |
| CURALINC LLC | — | 7,734 | Jan 1, 2026 | $159,523 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF INDIANA, contract 0010503. For the contract year on this filing, the carrier reported $621,029 in premium earned and $577,381 in claims incurred. Dividing one by the other gives 93%.
VISION SERVICE PLAN, contract 40161187. For the contract year on this filing, the carrier reported $259,517 in premium earned and $144,207 in claims incurred. Dividing one by the other gives 56%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 7160900. For the contract year on this filing, the carrier reported $17,851 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- DELTA DENTAL OF INDIANA, contract 0010503 reported $93,155 in retention.
- VISION SERVICE PLAN, contract 40161187 reported $79,164 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 7160900 reported $536 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.
Reported to OSHA
Reported to OSHA for 2025: 3,204 employees, 110 recordable cases, 1,636 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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