Form 5500 · Employee benefit plan · FLUSHING, NY
POSITIVE BEGINNINGS INC.
The filing calls this plan POSITIVE BEGINNINGS INC. EMPLOYEE BENEFITS PLAN.
POSITIVE BEGINNINGS INC. of FLUSHING, NY is a 172-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MARC SPIRO & COMPANY INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-3420515 · plan 501 · plan year 2025, filed Dec 10, 2025
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How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
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 2 insured contracts covering health, dental, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 71 people.
Reported premium across the insured contracts is $1,165,304, with $13,528 in disclosed broker commissions — about 1.2% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MARC SPIRO & COMPANY INC is the broker of record on all 2 contracts.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 241 | Jul 1, 2025 | $154,677 | $13,528 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 71 | Jul 1, 2025 | $1,010,627 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00636687. For the contract year on this filing, the carrier reported $1,010,627 in premium earned and $918,449 in claims incurred. Dividing one by the other gives 91%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 00636687 reported $107,128 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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