Form 5500 · Employee benefit plan · WICKLIFFE, OH
THE LUBRIZOL CORPORATION
The filing calls this plan EMPLOYEE BENEFITS PROGRAM OF THE LUBRIZOL CORPORATION.
Public Form 5500 records show how THE LUBRIZOL CORPORATION of WICKLIFFE, OH, a manufacturing employer, structures its employee benefits. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through FIDELITY SECURITY LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-0367600 · plan 506 · plan year 2024, filed Oct 1, 2025
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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 BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 66 of 4,096 participants (1.6%) on Schedule A.
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 12 of 4,096 participants (0.3%) on Schedule A.
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 4 insured contracts covering health, dental and vision; the largest, with FIDELITY SECURITY LIFE INSURANCE COMPANY, covers 7,199 people.
Reported premium across the insured contracts is $1,248,024, with $5,743 in disclosed broker commissions — about 0.5% 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 US LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including FIDELITY SECURITY LIFE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF MICHIGAN, CIGNA HEALTH AND LIFE INSURANCE COMPANY and UNITED BEHAVIORAL HEALTH. FIDELITY SECURITY LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 12 | Jan 1, 2025 | $114,860 | $5,743 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 7,199 | Jan 1, 2025 | $610,977 | $0 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 66 | Jan 1, 2025 | $414,854 | $0 |
| UNITED BEHAVIORAL HEALTH | — | 3,434 | Jan 1, 2025 | $107,333 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 33735-034. For the contract year on this filing, the carrier reported $414,854 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 33735-034 reported $10,263 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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