Form 5500 · Employee benefit plan · SOUTH NORWALK, CT
SIGNAL MANAGEMENT SERVICES, LLC
The filing calls this plan SIGNAL MANAGEMENT SERVICES, LLC HEALTH & WELFARE PLAN.
SIGNAL MANAGEMENT SERVICES, LLC of SOUTH NORWALK, CT insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is PROCYON BENEFITS, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-3227442 · plan 504 · plan year 2025, filed Aug 10, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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: death benefits.
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.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 218 people.
Reported premium across the insured contracts is $2,607,214, with $51,018 in disclosed broker commissions — about 2% 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.
PROCYON BENEFITS, LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, DELTA DENTAL OF CONNECTICUT, INC. and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 145 | Jan 1, 2026 | $220,183 | $29,454 |
| DELTA DENTAL OF CONNECTICUT, INC. | Dental, Vision | 355 | Jan 1, 2026 | $229,598 | $11,479 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 132 | Jan 1, 2026 | $55,144 | $10,085 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 218 | Jan 1, 2026 | $2,102,289 | $0 |
Premium and claims on this contract
DELTA DENTAL OF CONNECTICUT, INC., contract 4464. For the contract year on this filing, the carrier reported $213,362 in premium earned and $161,543 in claims incurred. Dividing one by the other gives 76%.
- DELTA DENTAL OF CONNECTICUT, INC., contract 4464 reported $48,041 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.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Connecticut. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Connecticut — largest plans, brokers, carriers and renewal months.