Form 5500 · Employee benefit plan · PHOENIX, AZ
SALT RIVER VALLEY WATER USERS ASSOCIATION
The filing calls this plan SALT RIVER VALLEY WATER USERS' ASSOC INS HLTH & LIFE WRAP PLAN F.K.A SRP AGR IMPROV/PWR DIST & SLT RVR VLY WTR USERS' ASSOC INS HLTH&LIFE PL.
SALT RIVER VALLEY WATER USERS ASSOCIATION of PHOENIX, AZ is a 919-participant utilities employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH & BENEFITS LLC. Coverage is written through HARTFORD LIFE AND ACCIDENT and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-0053220 · plan 507 · plan year 2024, filed Oct 13, 2025
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859 other employer plans in Arizona 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
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: prepaid legal, severance.
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 7 insured contracts covering health, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 394 people.
The filing declares health, life, disability and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $1,780,572, with $37,210 in disclosed broker commissions — about 2.1% 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.
MERCER HEALTH & BENEFITS LLC is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability, Annuity / GIC | 394 | Jan 1, 2025 | $569,814 | $25,252 |
| HARTFORD LIFE AND ACCIDENT | Life, Annuity / GIC | 262 | Jan 1, 2025 | $240,918 | $8,432 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 173 | Jan 1, 2025 | $37,393 | $3,526 |
| SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | Health, Annuity / GIC | 117 | Jan 1, 2025 | $456,724 | $0 |
| HARTFORD LIFE AND ACCIDENT | Life | 394 | Jan 1, 2025 | $414,050 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Annuity / GIC | 38 | Jan 1, 2025 | $38,382 | $0 |
| CIGNA HEALTHCARE OF ARIZONA, INC. | Health | 6 | Jan 1, 2025 | $23,291 | $0 |
Premium and claims on these contracts
HARTFORD LIFE AND ACCIDENT, contract 402951G. For the contract year on this filing, the carrier reported $569,814 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HARTFORD LIFE AND ACCIDENT, contract 402963G. For the contract year on this filing, the carrier reported $154,020 in premium earned and $230,000 in claims incurred. Dividing one by the other gives 149%.
HARTFORD LIFE AND ACCIDENT, contract ADDS-08248. For the contract year on this filing, the carrier reported $414,050 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- HARTFORD LIFE AND ACCIDENT, contract 402951G reported $0 in retention.
- HARTFORD LIFE AND ACCIDENT, contract 402963G reported $56,374 in retention.
- HARTFORD LIFE AND ACCIDENT, contract ADDS-08248 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: 423 employees, 6 recordable cases, 3 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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