Form 5500 · Employee benefit plan · NEW ORLEANS, LA
THE EINSTEIN GROUP, INC
The filing calls this plan EINSTEIN CHARTER SCHOOLS MEDICAL PLAN.
THE EINSTEIN GROUP, INC of NEW ORLEANS, LA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HM BENEFITS LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF LOUISIANA and 3 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0913967 · plan 501 · plan year 2025, filed Jan 26, 2026
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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
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 BLUE CROSS AND BLUE SHIELD OF LOUISIANA, covers 216 people.
Reported premium across the insured contracts is $2,007,148, with $76,407 in disclosed broker commissions — about 3.8% of premium.
The health contract's policy period ended in September, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
HM BENEFITS LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF LOUISIANA, TRUASSURE INSURANCE COMPANY, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA and HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC.. BLUE CROSS AND BLUE SHIELD OF LOUISIANA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF LOUISIANA | Health | 216 | Sep 2, 2025 | $1,847,360 | $64,932 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 79 | Sep 1, 2025 | $62,469 | $10,155 |
| HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | Vision | 165 | Sep 1, 2025 | $13,311 | $1,320 |
| TRUASSURE INSURANCE COMPANY | Dental | 298 | Sep 1, 2025 | $84,008 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78K64ERC. For the contract year on this filing, the carrier reported $1,847,360 in premium earned and $1,273,667 in claims incurred. Dividing one by the other gives 69%.
- BLUE CROSS AND BLUE SHIELD OF LOUISIANA, contract 78K64ERC reported $295,578 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.
How this plan compares
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