Form 5500 · Employee benefit plan · NORTH EAST, PA
RIDG U RAK, INC.
The filing calls this plan RIDG U RAK GROUP MEDICAL PLAN.
RIDG U RAK, INC. of NORTH EAST, PA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is C H REAMS & ASSOCIATES INC. Coverage is written through HIGHMARK INC. and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 25-1413734 · plan 516 · plan year 2023, filed Aug 29, 2024
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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.
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
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 2 insured contracts covering health and stop-loss; the largest, with HIGHMARK INC., covers 232 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $3,494,468, with $53,814 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.
C H REAMS & ASSOCIATES INC is the broker of record on all 2 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HM LIFE INSURANCE COMPANY | Health, Stop-loss | 232 | Jan 1, 2024 | $538,147 | $53,814 |
| HIGHMARK INC. | Health | 232 | Jan 1, 2024 | $2,956,321 | $0 |
Premium and claims on this contract
HIGHMARK INC., contract 032614. For the contract year on this filing, the carrier reported $2,956,321 in premium earned and $2,972,263 in claims incurred. Dividing one by the other gives 101%.
- HIGHMARK INC., contract 032614 reported $-15,942 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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 269 employees, 14 recordable cases, 34 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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