Form 5500 · Employee benefit plan · WEST ORANGE, NJ
RWJBH MEDICAL PRACTICES, PC
The filing calls this plan RWJBH MEDICAL PRACTICES, PC HEALTH AND WELFARE BENEFITS PLAN.
RWJBH MEDICAL PRACTICES, PC of WEST ORANGE, NJ is a 1,464-participant health care and social assistance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is RSC INSURANCE BROKERAGE, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-2840311 · plan 501 · plan year 2025, filed May 29, 2026
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1,512 other employer plans in New Jersey 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
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
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 11 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $5,849,147, with $50,211 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 7 of the 11 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA, DELTA DENTAL OF NEW JERSEY, INC. and DELTA DENTAL OF CONNECTICUT, INC.. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 617 | Jan 1, 2026 | $285,807 | $25,676 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 617 | Jan 1, 2026 | $77,244 | $6,945 |
| DELTA DENTAL OF NEW JERSEY, INC. | Dental | 989 | Jan 1, 2026 | $275,637 | $6,852 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 617 | Jan 1, 2026 | $41,137 | $3,629 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 617 | Jan 1, 2026 | $31,518 | $2,789 |
| DELTA DENTAL OF CONNECTICUT, INC. | Vision | 520 | Jan 1, 2026 | $31,732 | $1,313 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 349 | Jan 1, 2026 | $6,014 | $868 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 349 | Jan 1, 2026 | $4,469 | $642 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 349 | Jan 1, 2026 | $4,057 | $545 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 349 | Jan 1, 2026 | $5,086,515 | $502 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 617 | Jan 1, 2026 | $5,017 | $450 |
Premium and claims on these contracts
DELTA DENTAL OF NEW JERSEY, INC., contract 09779. For the contract year on this filing, the carrier reported $226,984 in premium earned and $193,566 in claims incurred. Dividing one by the other gives 85%.
DELTA DENTAL OF CONNECTICUT, INC., contract 09779. For the contract year on this filing, the carrier reported $31,618 in premium earned and $23,587 in claims incurred. Dividing one by the other gives 75%.
- DELTA DENTAL OF NEW JERSEY, INC., contract 09779 reported $38,701 in retention.
- DELTA DENTAL OF CONNECTICUT, INC., contract 09779 reported $5,454 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.
How this plan compares
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Renewal calendar
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