Form 5500 · Employee benefit plan · CLEVELAND, OH
THE SHERWIN-WILLIAMS COMPANY
The filing calls this plan GROUP HEALTH AND WELFARE BENEFITS PLAN FOR THE SHERWIN-WILLIAMS COMPANY.
THE SHERWIN-WILLIAMS COMPANY of CLEVELAND, OH insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CUSTOM BENEFIT PROGRAMS INC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 14 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 34-0526850 · plan 656 · plan year 2024, filed Oct 15, 2025
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2,504 other employer plans in Ohio 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
Dental: ELAN INSURANCE GROUP covers 121 of 50,080 participants (0.2%) on Schedule A.
Vision: the largest of the 7 insured vision contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 883 of 50,080 participants (1.8%) on Schedule A.
Also declared: 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 21 insured contracts covering health, dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 14,080 people.
Reported premium across the insured contracts is $40,354,016, with $2,396,767 in disclosed broker commissions — about 5.9% 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.
CUSTOM BENEFIT PROGRAMS INC is the broker of record on 1 of the 21 contracts; the rest name a different broker or none.
15 carriers appear on the filing, including PRUDENTIAL INSURANCE COMPANY OF AMERICA, HARTFORD LIFE AND ACCIDENT, KAISER FOUNDATION HEALTH PLAN, INC. and EYEMED VISION CARE. PRUDENTIAL INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Health, Disability | 14,080 | Jan 1, 2025 | $7,775,331 | $2,010,740 |
| HARTFORD LIFE AND ACCIDENT | Disability | 39,502 | Jan 1, 2025 | $5,754,903 | $125,546 |
| EYEMED VISION CARE | Vision | 54,501 | Jan 1, 2025 | $2,869,840 | $85,867 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 883 | Jan 1, 2025 | $4,774,784 | $43,748 |
| MCS LIFE INSURANCE COMPANY | Health | 148 | Jan 1, 2025 | $678,645 | $33,593 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 60,174 | Jan 1, 2025 | $89,409 | $23,854 |
| FOUR EVER LIFE INS CO. | Health | — | Jan 1, 2025 | $361,396 | $18,070 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health, Vision | 208 | Jan 1, 2025 | $1,395,458 | $13,960 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health, Vision | 199 | Jan 1, 2025 | $1,258,166 | $12,625 |
| KAISER PERMANENTE HEALTH PLAN INC | Health, Vision | 97 | Jan 1, 2025 | $663,136 | $6,666 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 105 | Jan 1, 2025 | $646,018 | $6,406 |
| ELAN INSURANCE GROUP | Health, Dental, Vision | 121 | Jan 1, 2025 | $79,914 | $3,996 |
| FOUR EVER LIFE INS CO. | Health | 0 | Jan 1, 2025 | $79,888 | $3,944 |
| TRIPLE-S VIDA, INC. | Disability | 121 | Jan 1, 2025 | $24,596 | $3,689 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | Health | 48 | Jan 1, 2025 | $308,645 | $3,097 |
| EYEMED VISION CARE | Vision | 681 | Jan 1, 2025 | $32,905 | $966 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 29,275 | Jan 1, 2025 | $7,137,030 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 40,306 | Jan 1, 2025 | $4,500,373 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 3,450 | Jan 1, 2025 | $1,191,305 | $0 |
| CURALINC LLC | — | 63,901 | Jan 1, 2025 | $727,757 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 620 | Jan 1, 2025 | $4,517 | $0 |
Premium and claims on this contract
MCS LIFE INSURANCE COMPANY, contract 79-790937. For the contract year on this filing, the carrier reported $678,645 in premium earned and $571,851 in claims incurred. Dividing one by the other gives 84%.
- MCS LIFE INSURANCE COMPANY, contract 79-790937 reported $101,797 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 9,717 employees, 143 recordable cases, 6,640 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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