Form 5500 · Employee benefit plan · RIDGFIELD, CT
RVNAHEALTH
Public Form 5500 records show how RVNAHEALTH of RIDGFIELD, CT, a health care and social assistance employer, structures its employee benefits. Its broker of record is RSC INSURANCE BROKERAGE INC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 06-0646613 · plan 501 · plan year 2024, filed Jul 9, 2025
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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.
Benefits declared on this filing
Also declared: 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 143 people.
Reported premium across the insured contracts is $2,681,451, with $24,915 in disclosed broker commissions — about 0.9% 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.
RSC INSURANCE BROKERAGE INC is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA, UNUM LIFE INSURANCE COMPANY OF AMERICA and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 143 | Jan 1, 2025 | $2,581,854 | $7,985 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 209 | Jan 1, 2025 | $44,051 | $5,191 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 44 | Jan 1, 2025 | $20,623 | $4,325 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 27 | Jan 1, 2025 | $8,796 | $2,903 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision | 129 | Jan 1, 2025 | $17,350 | $2,419 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 22 | Jan 1, 2025 | $3,726 | $1,230 |
| AFLAC | — | 3 | Jan 1, 2025 | $4,034 | $556 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 6 | Jan 1, 2025 | $1,017 | $306 |
Premium and claims on these contracts
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA, contract 017567. For the contract year on this filing, the carrier reported $1,590 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948307. For the contract year on this filing, the carrier reported $2,848 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948310. For the contract year on this filing, the carrier reported $1,841 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, contract 00570652. For the contract year on this filing, the carrier reported $1,590 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948308. For the contract year on this filing, the carrier reported $433 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948309. For the contract year on this filing, the carrier reported $486 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA, contract 017567 reported $0 in retention.
- UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948307 reported $0 in retention.
- UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948310 reported $0 in retention.
- THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, contract 00570652 reported $0 in retention.
- UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948308 reported $0 in retention.
- UNUM LIFE INSURANCE COMPANY OF AMERICA, contract 948309 reported $0 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: 296 employees, 8 recordable cases, 38 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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