Form 5500 · Employee benefit plan · NEWARK, DE
W.L. GORE & ASSOCIATES, INC.
The filing calls this plan W.L. GORE & ASSOCIATES, INC. HEALTH AND WELFARE PLAN.
Public Form 5500 records show how W.L. GORE & ASSOCIATES, INC. of NEWARK, DE, a manufacturing employer, structures its employee benefits. Its broker of record is MERCER HEALTH & BENEFITS - PHI. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0083365 · plan 501 · plan year 2025, filed Aug 4, 2026
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203 other employer plans in Delaware 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: AETNA LIFE INSURANCE COMPANY covers 2 of 9,077 participants (under 0.1%) on Schedule A.
Dental: AETNA LIFE INSURANCE COMPANY covers 2 of 9,077 participants (under 0.1%) on Schedule A.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 11,439 people.
Reported premium across the insured contracts is $9,249,189, with $642,322 in disclosed broker commissions — about 6.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS - PHI is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including UNUM LIFE INSURANCE COMPANY OF AMERICA, VISION SERVICE PLAN, AETNA LIFE INSURANCE COMPANY and NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA. UNUM LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 11,439 | Jan 1, 2026 | $7,761,614 | $641,404 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | Disability | 8,394 | Jun 3, 2025 | $3,672 | $918 |
| VISION SERVICE PLAN | Vision | 6,546 | Jan 1, 2026 | $1,478,530 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental, Vision | 2 | Jan 1, 2026 | $5,373 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12294080. For the contract year on this filing, the carrier reported $1,478,530 in premium earned and $1,210,868 in claims incurred. Dividing one by the other gives 82%.
- VISION SERVICE PLAN, contract 12294080 reported $192,209 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: 9,397 employees, 266 recordable cases, 2,524 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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