Form 5500 · Employee benefit plan · PROVIDENCE, RI
UNITED NATURAL FOODS, INC
The filing calls this plan UNFI HEALTH AND WELFARE PLAN.
UNITED NATURAL FOODS, INC of PROVIDENCE, RI is a 18,258-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through HIGHMARK INC. and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0376157 · plan 510 · plan year 2024, filed Aug 1, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
170 other employer plans in Rhode Island 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: the largest of the 6 insured health contracts, with HIGHMARK INC., covers 454 of 18,258 participants (2.5%) on Schedule A.
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 12 insured contracts covering health, vision, life and disability.
The filing declares health, vision, life, disability and dental. Dental appears 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $21,471,607, with $37,934 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.
WILLIS TOWERS WATSON US LLC is the broker of record on 4 of the 12 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 387 | Jan 1, 2025 | $3,274,683 | $15,080 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 243 | Jan 1, 2025 | $1,873,428 | $8,262 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 122 | Jan 1, 2025 | $962,186 | $5,716 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 104 | Jan 1, 2025 | $803,524 | $5,254 |
| ARAG INSURANCE COMPANY | — | 334 | Jan 1, 2025 | $33,552 | $3,355 |
| KAISER FOUNDATION HEALTH PLAN OF HAWAII | Health | 4 | Jan 1, 2025 | $45,239 | $267 |
| HIGHMARK INC. | Health | 454 | Jan 1, 2025 | $4,378,179 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 11,774 | Jan 1, 2025 | $4,219,206 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 5,545 | Jan 1, 2025 | $2,110,324 | $0 |
| VISION SERVICE PLAN | Vision | 10,023 | Jan 1, 2025 | $1,731,667 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 16,485 | Jan 1, 2025 | $1,494,945 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 5,296 | Jan 1, 2025 | $544,674 | $0 |
Premium and claims on these contracts
HIGHMARK INC., contract 1487101. For the contract year on this filing, the carrier reported $4,378,179 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
VISION SERVICE PLAN, contract 12338931. For the contract year on this filing, the carrier reported $1,731,667 in premium earned and $1,107,345 in claims incurred. Dividing one by the other gives 64%.
- HIGHMARK INC., contract 1487101 reported $0 in retention.
- VISION SERVICE PLAN, contract 12338931 reported $225,117 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: 1,789 employees, 58 recordable cases, 1,262 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Rhode Island. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
170 other employer plans in Rhode Island are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Rhode Island — largest plans, brokers, carriers and renewal months.