Form 5500 · Employee benefit plan · ELMWOOD PARK, NJ
SPENCER SAVINGS BANK
SPENCER SAVINGS BANK's employee benefit plan is documented in its annual Form 5500 filing with the Department of Labor. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-1296609 · plan 505 · as of Aug 2026
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 197 | December | $4,721,403 | $188,856 |
| GUARDIAN | Life, Disability | 294 | December | $154,313 | $17,575 |
| DELTA DENTAL OF NEW JERSEY, INC. | Dental | 393 | December | $212,032 | $8,499 |
| VISION SERVICE PLAN | Vision | 222 | December | $23,860 | $1,295 |
| FLAGSHIP HEALTH SYSTEMS | Dental | 10 | December | $4,462 | $144 |
Questions
Who is SPENCER SAVINGS BANK's benefits broker?
Per its most recent Form 5500 Schedule A, SPENCER SAVINGS BANK's broker of record is GALLAGHER BENEFIT SERVICES, INC..
What insurance carrier does SPENCER SAVINGS BANK use?
SPENCER SAVINGS BANK's benefit plan is written through UNITEDHEALTHCARE INSURANCE COMPANY, among 5 disclosed carriers.
When does SPENCER SAVINGS BANK's group plan renew?
The most recent Schedule A policy period for SPENCER SAVINGS BANK ended in December. Group plans typically renew on the same annual cycle.
Where does this data come from?
All figures are drawn from SPENCER SAVINGS BANK's public Form 5500 filing with the U.S. Department of Labor (EFAST2). Form 5500 is a public record.