Form 5500 · Employee benefit plan · WINDSOR, CT
TRC COMPANIES L.L.C.
The filing calls this plan TRC COMPANIES L.L.C. WELFARE BENEFIT PLAN.
TRC COMPANIES L.L.C. of WINDSOR, CT is a 6,436-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is AON INSURANCE AGENCY LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 23 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-1842424 · plan 501 · plan year 2023, filed Jul 9, 2024
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692 other employer plans in Connecticut 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
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: death benefits, 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 32 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $58,806,368, with $1,847,096 in disclosed broker commissions — about 3.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
AON INSURANCE AGENCY LLC is the broker of record on 11 of the 32 contracts; the rest name a different broker or none.
24 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, UNITEDHEALTHCARE INSURANCE COMPANY, ANTHEM HEALTH PLANS, INC. and AETNA LIFE INSURANCE COMPANY. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 1,124 | Jan 1, 2024 | $12,350,331 | $488,001 |
| ANTHEM HEALTH PLANS, INC. | Health | 1,626 | Jan 1, 2024 | $9,328,363 | $415,911 |
| HARTFORD LIFE AND ACCIDENT | Health, Life, Disability | 5,853 | Jan 1, 2024 | $4,314,992 | $286,285 |
| DELTA DENTAL OF CONNECTICUT, INC. | Dental | 4,455 | Jan 1, 2024 | $2,065,616 | $165,266 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 314 | Jan 1, 2024 | $1,921,421 | $84,604 |
| MEDICAL MUTUAL | Health | 90 | Jan 1, 2024 | $1,032,351 | $65,654 |
| UPMC HEALTH OPTIONS | Health | 299 | Jan 1, 2024 | $1,580,909 | $57,197 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 1,868 | Jan 1, 2024 | $8,501,963 | $48,103 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 188 | Jan 1, 2024 | $858,554 | $37,031 |
| VISION SERVICE PLAN | Vision | 1,852 | Jan 1, 2024 | $351,397 | $35,171 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 629 | Jan 1, 2024 | $341,493 | $30,101 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 390 | Jan 1, 2024 | $269,087 | $21,314 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 90 | Jan 1, 2024 | $487,961 | $19,518 |
| DEAN HEALTH PLAN INC | Health | 68 | Jan 1, 2024 | $488,769 | $19,363 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 46 | Jan 1, 2024 | $420,979 | $16,623 |
| HEALTH NET -CA | Health | 31 | Jan 1, 2024 | $350,379 | $14,008 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 45 | Jan 1, 2024 | $213,439 | $8,364 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 30 | Jan 1, 2024 | $186,597 | $7,289 |
| EYEMED VISION CARE | Vision | 646 | Jan 1, 2024 | $64,396 | $5,817 |
| GEISINGER QUALITY OPTIONS, INC. | Health | 21 | Jan 1, 2024 | $141,402 | $5,656 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 24 | Jan 1, 2024 | $134,732 | $5,457 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 29 | Jan 1, 2024 | $121,989 | $4,835 |
| EYEMED VISION CARE | Vision | 696 | Jan 1, 2024 | $32,769 | $2,939 |
| PREVEA360 HEALTH PLAN | Health | 8 | Jan 1, 2024 | $45,421 | $1,861 |
| EYEMED VISION CARE | Vision | 679 | Jan 1, 2024 | $7,235 | $655 |
| EYEMED VISION CARE | Vision | 9 | Jan 1, 2024 | $756 | $73 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 1,005 | Jan 1, 2024 | $12,972,095 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 3 | Jan 1, 2024 | $157,022 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 6 | Jan 1, 2024 | $60,829 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 1 | Jan 1, 2024 | $3,121 | $0 |
| FEDERAL INSURANCE COMPANY | — | 6,633 | Apr 1, 2023 | — | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2 | Jan 1, 2024 | — | $0 |
Premium and claims on these contracts
DELTA DENTAL OF CONNECTICUT, INC., contract 04412. For the contract year on this filing, the carrier reported $2,065,616 in premium earned and $1,918,768 in claims incurred. Dividing one by the other gives 93%.
MEDICAL MUTUAL, contract 0122894-01. For the contract year on this filing, the carrier reported $1,032,351 in premium earned and $1,094,425 in claims incurred. Dividing one by the other gives 106%.
VISION SERVICE PLAN, contract 30100116. For the contract year on this filing, the carrier reported $351,397 in premium earned and $282,249 in claims incurred. Dividing one by the other gives 80%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8782200. For the contract year on this filing, the carrier reported $186,597 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- DELTA DENTAL OF CONNECTICUT, INC., contract 04412 reported $430,447 in retention.
- MEDICAL MUTUAL, contract 0122894-01 reported $171,535 in retention.
- VISION SERVICE PLAN, contract 30100116 reported $121,263 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8782200 reported $7,289 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.
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