Form 5500 · Employee benefit plan · NEWARK, DE
THE KENDAL CORPORATION
The filing calls this plan GROUP INSURANCE PLAN OF THE KENDAL CORPORATION.
THE KENDAL CORPORATION of NEWARK, DE spreads its employee benefits across 9 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through HM LIFE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2688382 · plan 501 · plan year 2025, filed Jul 27, 2026
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203 other employer plans in Delaware 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
Health: the largest of the 2 insured health contracts, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 110 of 1,500 participants (7.3%) on Schedule A.
Also declared: prepaid legal, death benefits, 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 16 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with HM LIFE INSURANCE COMPANY, covers 494 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 $7,035,646, with $185,289 in disclosed broker commissions — about 2.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 1 of the 16 contracts; the rest name a different broker or none.
Schedule A insurance contracts
Premium and claims on these contracts
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00123389. For the contract year on this filing, the carrier reported $1,552,177 in premium earned and $1,206,768 in claims incurred. Dividing one by the other gives 78%.
VISION SERVICE PLAN, contract 30053561. For the contract year on this filing, the carrier reported $77,354 in premium earned and $57,249 in claims incurred. Dividing one by the other gives 74%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00123389 reported $269,412 in retention.
- VISION SERVICE PLAN, contract 30053561 reported $15,084 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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