Form 5500 · Employee benefit plan · LINDEN, NJ
S. BERTRAM INC.
The filing calls this plan S. BERTRAM INC WELFARE BENEFIT PLAN.
S. BERTRAM INC. of LINDEN, NJ is a 215-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is GAVIN MEIER. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-2911552 · plan 501 · plan year 2025, filed Dec 12, 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
Disability: UNUM LIFE INSURANCE COMPANY OF AMERICA covers 10 of 215 participants (4.7%) on Schedule A.
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.
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 and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 177 people.
Reported premium across the insured contracts is $2,398,812, with $23,294 in disclosed broker commissions — about 1% 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.
GAVIN MEIER is the broker of record on 1 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, AFLAC, LIFE INSURANCE COMPANY OF NORTH AMERICA and PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AFLAC | Health | 86 | Jul 1, 2025 | $111,410 | $10,515 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 129 | Jul 1, 2025 | $152,111 | $4,743 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 235 | Jul 1, 2025 | $39,939 | $2,996 |
| AFLAC | Health | 10 | Jul 1, 2025 | $8,263 | $2,220 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 11 | Jul 1, 2025 | $36,151 | $1,806 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 10 | Jul 1, 2025 | $4,019 | $556 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 235 | Jul 1, 2025 | $3,828 | $458 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 177 | Jul 1, 2025 | $2,043,091 | $0 |
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.
Other plans filed by this employer
How this plan compares
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