Form 5500 · Employee benefit plan · HOCKESSIN, DE
SANFORD SCHOOL, INC
The filing calls this plan SANFORD SCHOOL, INC. HEALTH & WELFARE PLAN.
SANFORD SCHOOL, INC of HOCKESSIN, DE files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is KELLY & ASSOCIATES INSURANCE GROUP. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0064331 · plan 501 · plan year 2025, filed Oct 22, 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: 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 108 people.
Reported premium across the insured contracts is $1,704,799, with $11,543 in disclosed broker commissions — about 0.7% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
KELLY & ASSOCIATES INSURANCE GROUP is the broker of record on all 7 contracts.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, UNITED OF OMAHA LIFE INSURANCE COMPANY and FIDELITY SECURITY LIFE INSURANCE COMPANY. 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, Vision | 108 | Jun 1, 2025 | $1,636,190 | $4,635 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 125 | Jun 1, 2025 | $33,051 | $3,154 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 125 | Jun 1, 2025 | $17,217 | $2,472 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 89 | Jun 1, 2025 | $9,939 | $695 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 21 | Jun 1, 2025 | $3,819 | $267 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 13 | Jun 1, 2025 | $3,230 | $226 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 5 | Jun 1, 2025 | $1,353 | $94 |
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.
Other plans filed by this employer
How this plan compares
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