Form 5500 · Employee benefit plan · RUTLAND, VT
WESTMINSTER CRACKER COMPANY
The filing calls this plan WESTMINSTER CRACKER COMPANY WELFARE BENEFIT PLAN.
WESTMINSTER CRACKER COMPANY of RUTLAND, VT insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is STUMM INSURANCE LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF VERMONT and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0315004 · plan 501 · plan year 2024, filed Nov 6, 2024
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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.
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 BLUE CROSS AND BLUE SHIELD OF VERMONT, covers 73 people.
Reported premium across the insured contracts is $794,032, with $31,507 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
STUMM INSURANCE LLC is the broker of record on 6 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF VERMONT, DELTA DENTAL PLAN OF VERMONT, INC., UNITED OF OMAHA LIFE INSURANCE COMPANY and VISION SERVICE PLAN. BLUE CROSS AND BLUE SHIELD OF VERMONT writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF VERMONT | Health, Vision | 73 | Jun 1, 2024 | $707,982 | $25,781 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 30 | Jun 1, 2024 | $17,928 | $2,689 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 80 | Jun 1, 2024 | $14,941 | $1,494 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 17 | Jun 1, 2024 | $5,322 | $798 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 17 | Jun 1, 2024 | $4,980 | $498 |
| DELTA DENTAL PLAN OF VERMONT, INC. | Dental | 87 | Jun 1, 2024 | $37,200 | $247 |
| VISION SERVICE PLAN | Vision | 55 | Jun 1, 2024 | $5,679 | $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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