Form 5500 · Employee benefit plan · RACINE, WI
S.C. JOHNSON & SON, INC.
The filing calls this plan WELFARE BENEFIT PLAN.
S.C. JOHNSON & SON, INC. of RACINE, WI spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 39-0379990 · plan 514 · plan year 2024, filed Sep 15, 2025
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1,633 other employer plans in Wisconsin 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
Also declared: prepaid legal, 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 11 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 4,359 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $9,598,354, with $166,051 in disclosed broker commissions — about 1.7% 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.
WILLIS TOWERS WATSON US LLC is the broker of record on 4 of the 11 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 4,359 | Jan 1, 2025 | $3,078,169 | $87,311 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 81 | Jan 1, 2025 | $444,520 | $72,655 |
| DELTA DENTAL OF WISCONSIN | Dental | 1,707 | Jan 1, 2025 | $2,274,049 | $5,500 |
| DELTA DENTAL OF WISCONSIN | Dental | 191 | Jan 1, 2025 | $172,169 | $585 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 8,992 | Jan 1, 2025 | $2,153,965 | $0 |
| VISION SERVICE PLAN | Health, Vision | 2,806 | Jan 1, 2025 | $590,115 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Stop-loss | 2,659 | Jan 1, 2025 | $568,896 | $0 |
| ARAG INSURANCE COMPANY | — | 1,388 | Jan 1, 2025 | $156,113 | $0 |
| EMPATHIA, INC. | — | 3,350 | Jan 1, 2025 | $79,048 | $0 |
| BLUE CROSS & BLUE SHIELD OF WISCONSIN | Stop-loss | 903 | Jan 1, 2025 | $78,591 | $0 |
| ARAG INSURANCE COMPANY | — | 26 | Jan 1, 2025 | $2,719 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF WISCONSIN, contract 50722. For the contract year on this filing, the carrier reported $2,274,049 in premium earned and $2,156,110 in claims incurred. Dividing one by the other gives 95%.
DELTA DENTAL OF WISCONSIN, contract 50822. For the contract year on this filing, the carrier reported $172,169 in premium earned and $219,998 in claims incurred. Dividing one by the other gives 128%.
- DELTA DENTAL OF WISCONSIN, contract 50722 reported $272,863 in retention.
- DELTA DENTAL OF WISCONSIN, contract 50822 reported $24,100 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: 2,747 employees, 22 recordable cases, 291 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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