Form 5500 · Employee benefit plan · PARAMUS, NJ
SUEZ WATER RESOURCES LLC
The filing calls this plan SUEZ WATER RESOURCES LLC HEALTH AND WELFARE BENEFIT PROGRAM.
SUEZ WATER RESOURCES LLC of PARAMUS, NJ spreads its employee benefits across 9 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 71-0005226 · plan 502 · plan year 2024, filed Oct 17, 2025
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1,512 other employer plans in New Jersey 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: severance, 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.
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 12 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 536 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 $24,187,784, with $426,197 in disclosed broker commissions — about 1.8% 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 LLC is the broker of record on 1 of the 12 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SYMETRA LIFE INSURANCE COMPANY | Stop-loss | 6,609 | Jan 1, 2025 | $3,805,655 | $380,566 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 8,110 | Jan 1, 2025 | $3,542,934 | $45,631 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 536 | Jan 1, 2025 | $7,485,815 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 13,329 | Jan 1, 2025 | $5,454,103 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 161 | Jan 1, 2025 | $1,733,615 | $0 |
| VISION SERVICE PLAN | Vision | 6,321 | Jan 1, 2025 | $1,621,258 | $0 |
| AETNA LIFE INSURANCE COMPANY | Dental | 1,595 | Jan 1, 2025 | $313,261 | $0 |
| DELTA DENTAL OF ILLINOIS | Dental | 6,250 | Jan 1, 2025 | $231,143 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 395 | Jan 1, 2025 | — | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 365 | Jan 1, 2025 | — | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 322 | Jan 1, 2025 | — | $0 |
| METLIFE LEGAL PLANS | — | 132 | Jan 1, 2025 | — | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 40156777. For the contract year on this filing, the carrier reported $1,621,258 in premium earned and $1,042,827 in claims incurred. Dividing one by the other gives 64%.
- VISION SERVICE PLAN, contract 40156777 reported $218,870 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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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