Form 5500 · Employee benefit plan · ST. PAUL, MN
TRAVELERS COMPANIES, INC.
The filing calls this plan TRAVELERS NON-TRUSTEED EMPLOYEE BENEFIT PLAN.
TRAVELERS COMPANIES, INC. of ST. PAUL, MN is a 30,341-participant finance and insurance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is AON CONSULTING. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 41-0518860 · plan 509 · plan year 2024, filed Sep 25, 2025
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1,865 other employer plans in Minnesota 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare, prepaid legal.
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 8 insured contracts covering vision and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 23,620 people.
The filing declares vision, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $19,835,100, with $46,958 in disclosed broker commissions — about 0.2% 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.
AON CONSULTING is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | — | 1,697 | Jan 1, 2025 | $1,944,602 | $46,958 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 23,620 | Jan 1, 2025 | $12,037,885 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 43,467 | Jan 1, 2025 | $3,298,596 | $0 |
| METLIFE LEGAL PLANS | — | 7,619 | Jan 1, 2025 | $1,409,075 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 2,643 | Jan 1, 2025 | $715,565 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 3,000 | Jan 1, 2025 | $336,425 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 30,430 | Jan 1, 2025 | $66,300 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 368 | Jan 1, 2025 | $26,652 | $0 |
Premium and claims on this contract
METROPOLITAN LIFE INSURANCE COMPANY, contract 96677. For the contract year on this filing, the carrier reported $1,944,602 in premium earned and $3,696,241 in claims incurred. Dividing one by the other gives 190%.
- METROPOLITAN LIFE INSURANCE COMPANY, contract 96677 reported $-1,751,639 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.
Other plans filed by this employer
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