Form 5500 · Employee benefit plan · EXTON, PA
RICOH USA, INC.
The filing calls this plan RICOH USA, INC. HEALTH AND WELFARE PLANS.
RICOH USA, INC. of EXTON, PA is a 12,196-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is AON INSURANCE AGENCY LLC. Coverage is written through INDEPENDENCE BLUE CROSS and 22 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-0334400 · plan 518 · plan year 2025, filed Jun 24, 2026
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2,778 other employer plans in Pennsylvania 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 35 insured contracts covering health, dental, vision, life and disability; the largest, with INDEPENDENCE BLUE CROSS, covers 4,970 people.
Reported premium across the insured contracts is $159,290,659, with $2,324,852 in disclosed broker commissions — about 1.5% 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.
AON INSURANCE AGENCY LLC is the broker of record on 16 of the 35 contracts; the rest name a different broker or none.
23 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, AETNA LIFE INSURANCE COMPANY, UNITEDHEALTHCARE INSURANCE COMPANY and CIGNA HEALTH AND LIFE INSURANCE COMPANY. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 4,970 | Jan 1, 2026 | $40,396,625 | $830,711 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 2,964 | Jan 1, 2026 | $2,181,919 | $476,735 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 20,287 | Jan 1, 2026 | $5,385,948 | $219,273 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 726 | Jan 1, 2026 | $6,828,955 | $126,443 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 10,589 | Jan 1, 2026 | $2,450,511 | $96,336 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 10,591 | Jan 1, 2026 | $2,019,642 | $77,792 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 309 | Jan 1, 2026 | $3,626,637 | $70,090 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 441 | Jan 1, 2026 | $3,289,726 | $66,881 |
| UPMC HEALTH OPTIONS | Health | 285 | Jan 1, 2026 | $2,430,486 | $43,873 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 275 | Jan 1, 2026 | $2,134,328 | $42,686 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 266 | Jan 1, 2026 | $2,163,717 | $39,824 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 166 | Jan 1, 2026 | $1,692,147 | $31,242 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 7,625 | Jan 1, 2026 | $5,956,481 | $29,663 |
| EYEMED VISION CARE | Vision | 6,483 | Jan 1, 2026 | $565,037 | $28,394 |
| HEALTH NET | Health | 65 | Jan 1, 2026 | $1,433,197 | $27,920 |
| VISION SERVICE PLAN | Vision | 2,240 | Jan 1, 2026 | $532,050 | $26,798 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 119 | Jan 1, 2026 | $1,246,517 | $23,154 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 88 | Jan 1, 2026 | $746,777 | $14,332 |
| MEDICAL MUTUAL | Health | 54 | Jan 1, 2026 | $561,919 | $11,269 |
| DEAN HEALTH PLAN INC | Health | 57 | Jan 1, 2026 | $457,236 | $8,855 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 11,924 | Jan 1, 2026 | $27,954,427 | $8,517 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 1,308 | Jan 1, 2026 | $126,036 | $6,959 |
| AETNA LIFE INSURANCE COMPANY | Dental | 1,497 | Jan 1, 2026 | $492,428 | $5,350 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 450 | Jan 1, 2026 | $130,625 | $4,868 |
| GEISINGER QUALITY OPTIONS, INC. | Health | 21 | Jan 1, 2026 | $217,691 | $4,354 |
| PREVEA360 HEALTH PLAN | Health | 6 | Jan 1, 2026 | $48,269 | $1,006 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 1,183 | Jan 1, 2026 | $14,753 | $784 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 3 | Jan 1, 2026 | $37,966 | $710 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 127 | Jan 1, 2026 | $810 | $33 |
| AETNA LIFE INSURANCE COMPANY | Health | 3,083 | Jan 1, 2026 | $27,975,988 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 913 | Jan 1, 2026 | $15,414,938 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 40 | Jan 1, 2026 | $349,903 | $0 |
| LEGALPLANS, USA | — | 1,444 | Jan 1, 2026 | $269,584 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 366 | Jan 1, 2026 | $121,078 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 450 | Jan 1, 2026 | $36,308 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 1736320. For the contract year on this filing, the carrier reported $40,396,625 in premium earned and $39,907,690 in claims incurred. Dividing one by the other gives 99%.
VISION SERVICE PLAN, contract 30051100. For the contract year on this filing, the carrier reported $532,050 in premium earned and $347,705 in claims incurred. Dividing one by the other gives 65%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8117200. For the contract year on this filing, the carrier reported $746,777 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
MEDICAL MUTUAL, contract 0147931-01. For the contract year on this filing, the carrier reported $561,919 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- INDEPENDENCE BLUE CROSS, contract 1736320 reported $830,711 in retention.
- VISION SERVICE PLAN, contract 30051100 reported $125,227 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8117200 reported $14,332 in retention.
- MEDICAL MUTUAL, contract 0147931-01 reported $11,269 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.
Reported to OSHA
Reported to OSHA for 2025: 11,613 employees, 84 recordable cases, 1,730 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
20 establishments filed under this EIN are left out of these figures: the hours and employees they reported could not both be right.
Other plans filed by this employer
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