Form 5500 · Employee benefit plan · GLEN ROCK, NJ
TOWN & COUNTRY HOLDINGS INC.
The filing calls this plan TOWN & COUNTRY HOLDINGS INC., EMPLOYEE BENEFIT PLAN.
TOWN & COUNTRY HOLDINGS INC. of GLEN ROCK, NJ is a 226-participant wholesale trade employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL NORTHEAST LIMITED. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5273147 · plan 501 · plan year 2025, filed Jul 29, 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
Also declared: prepaid legal, death benefits.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 184 people.
Reported premium across the insured contracts is $2,015,830, with $17,320 in disclosed broker commissions — about 0.9% 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.
HUB INTERNATIONAL NORTHEAST LIMITED is the broker of record on 5 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY, DELTA DENTAL OF NEW JERSEY, INC. and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 223 | Jan 1, 2026 | $80,553 | $7,579 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life, Disability | 29 | Jan 1, 2026 | $24,723 | $4,098 |
| DELTA DENTAL OF NEW JERSEY, INC. | Health, Dental | 166 | Jan 1, 2026 | $79,172 | $3,242 |
| NGL | Vision | 203 | Jan 1, 2026 | $11,902 | $1,190 |
| ALPHA DENTAL PROGRAMS, INC. | Health, Dental | 64 | Jan 1, 2026 | $14,063 | $644 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 22 | Jan 1, 2026 | $5,352 | $567 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 184 | Jan 1, 2026 | $1,800,065 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF NEW JERSEY, INC., contract 9682. For the contract year on this filing, the carrier reported $79,010 in premium earned and $61,686 in claims incurred. Dividing one by the other gives 78%.
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 634531. For the contract year on this filing, the carrier reported $1,800,065 in premium earned and $1,535,238 in claims incurred. Dividing one by the other gives 85%.
- DELTA DENTAL OF NEW JERSEY, INC., contract 9682 reported $15,051 in retention.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 634531 reported $154,964 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: 236 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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