Form 5500 · Employee benefit plan · BURLINGTON, VT
THE UNIVERSITY OF VERMONT HEALTH NETWORK, INC.
The filing calls this plan THE UNIVERSITY OF VERMONT HEALTH NETWORK EMPLOYEE WELFARE BENEFITS PLAN.
THE UNIVERSITY OF VERMONT HEALTH NETWORK, INC. of BURLINGTON, VT spreads its employee benefits across 8 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through HARTFORD LIFE AND ACCIDENT and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-2880726 · plan 501 · plan year 2025, filed Sep 23, 2026
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184 other employer plans in Vermont 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: EXCELLUS BLUE CROSS BLUE SHIELD covers 34 of 13,888 participants (0.2%) on Schedule A.
Dental: THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA covers 45 of 13,888 participants (0.3%) on Schedule A.
Also declared: severance.
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 15 insured contracts covering health, dental, vision, life and disability; the largest, with HARTFORD LIFE AND ACCIDENT, covers 14,237 people.
Reported premium across the insured contracts is $15,908,396, with $755,133 in disclosed broker commissions — about 4.7% 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 10 of the 15 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including HARTFORD LIFE AND ACCIDENT, RELIASTAR LIFE INSURANCE COMPANY, VISION SERVICE PLAN and EXCELLUS BLUE CROSS BLUE SHIELD. HARTFORD LIFE AND ACCIDENT writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 13,882 | Jan 1, 2026 | $1,463,558 | $357,151 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 14,237 | Jan 1, 2026 | $7,749,874 | $234,487 |
| HARTFORD LIFE AND ACCIDENT | Disability | 1,499 | Jan 1, 2026 | $3,530,214 | $96,076 |
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 34 | Jan 1, 2026 | $804,102 | $35,521 |
| HARTFORD LIFE AND ACCIDENT | — | 4,036 | Jan 1, 2026 | $448,624 | $13,459 |
| HARTFORD LIFE AND ACCIDENT | Disability | 1,203 | Jan 1, 2026 | $223,052 | $8,253 |
| AFLAC | — | 31 | Jan 1, 2026 | $42,348 | $4,384 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 45 | Jan 1, 2026 | $44,442 | $3,083 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 459 | Jan 1, 2026 | $87,621 | $2,261 |
| HARTFORD LIFE AND ACCIDENT | Disability | 828 | Jan 1, 2026 | $33,652 | $168 |
| HARTFORD LIFE AND ACCIDENT | — | 650 | Jan 1, 2026 | $750 | $113 |
| PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | Disability | 4 | Jan 1, 2026 | $3,044 | $105 |
| HARTFORD LIFE AND ACCIDENT | Disability | 233 | Jan 1, 2026 | $7,717 | $39 |
| HARTFORD LIFE AND ACCIDENT | Disability | 269 | Jan 1, 2026 | $13,240 | $33 |
| VISION SERVICE PLAN | Vision | 9,298 | Jan 1, 2026 | $1,456,158 | $0 |
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.
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