Form 5500 · Employee benefit plan · CHEYENNE, WY
PAYWARD, INC.
The filing calls this plan PAYWARD, INC. HEALTH & WELFARE BENEFIT PLAN.
PAYWARD, INC. of CHEYENNE, WY spreads its employee benefits across 9 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-3067141 · plan 501 · plan year 2024, filed Oct 6, 2025
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61 other employer plans in Wyoming 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 14 insured contracts covering health, dental, vision, life and disability; the largest, with CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), covers 1,165 people.
Reported premium across the insured contracts is $13,609,463, with $144,748 in disclosed broker commissions — about 1.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS LLC is the broker of record on 8 of the 14 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA), DELTA DENTAL OF CALIFORNIA, HARTFORD LIFE AND ACCIDENT and KAISER FOUNDATION HEALTH PLAN, INC.. CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF CALIFORNIA | Dental | 1,337 | Jan 1, 2025 | $904,071 | $45,196 |
| HARTFORD LIFE AND ACCIDENT | Disability | 478 | Jan 1, 2025 | $573,759 | $43,032 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 893 | Jan 1, 2025 | $390,443 | $26,016 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 85 | Jan 1, 2025 | $457,148 | $12,430 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 95 | Jan 1, 2025 | $22,736 | $3,759 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 60 | Jan 1, 2025 | $17,084 | $2,860 |
| METLIFE LEGAL PLANS | — | 116 | Sep 1, 2024 | $15,579 | $2,322 |
| VISION SERVICE PLAN | Vision | 586 | Jan 1, 2025 | $80,630 | $2,308 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 107 | Jan 1, 2025 | $14,073 | $2,296 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 2,331 | Jun 1, 2024 | $11,840 | $1,776 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 2,331 | Jan 1, 2025 | $8,877 | $1,332 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 96 | Jan 1, 2025 | $5,922 | $1,204 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2 | Jan 1, 2025 | $6,769 | $217 |
| CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | Health | 1,165 | Jan 1, 2025 | $11,100,532 | $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.
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Renewal calendar
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