Form 5500 · Employee benefit plan · RICHMOND, VA
UNITED NETWORK FOR ORGAN SHARING
The filing calls this plan UNITED NETWORK FOR ORGAN SHARING WELFARE BENEFIT PLAN.
UNITED NETWORK FOR ORGAN SHARING of RICHMOND, VA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-1327878 · plan 502 · plan year 2025, filed Jul 1, 2026
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1,326 other employer plans in Virginia 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
Also declared: prepaid legal, 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 7 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 684 people.
Reported premium across the insured contracts is $785,650, with $73,056 in disclosed broker commissions — about 9.3% 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.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA, VISION SERVICE PLAN and LEGAL RESOURCES. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 273 | Jan 1, 2026 | $234,015 | $35,102 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 273 | Jan 1, 2026 | $143,460 | $21,519 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 684 | Jan 1, 2026 | $325,561 | $12,916 |
| VISION SERVICE PLAN | Vision | 260 | Jan 1, 2026 | $37,021 | $1,873 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 273 | Jan 1, 2026 | $10,971 | $1,646 |
| LEGAL RESOURCES | — | 68 | Jan 1, 2026 | $19,800 | $0 |
| ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | Health, Vision | 528 | Jan 1, 2026 | $14,822 | $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.
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
How this plan compares
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Renewal calendar
1,326 other employer plans in Virginia are January 1 renewals (policy year ends December).
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