Form 5500 · Employee benefit plan · EAST BRUNSWICK, NJ
WIPRO LIMITED
The filing calls this plan WIPRO LIMITED HEALTH & WELFARE PLAN.
Public Form 5500 records show how WIPRO LIMITED of EAST BRUNSWICK, NJ, a professional services employer, structures its employee benefits. Its broker of record is RICAEDIA, LLC. Coverage is written through LIFE INSURANCE COMPANY OF NORTH AMERICA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 98-0154401 · plan 501 · plan year 2024, filed Oct 14, 2025
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1,512 other employer plans in New Jersey 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 3 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 17 of 11,672 participants (0.1%) on Schedule A.
Dental: the largest of the 4 insured dental contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 17 of 11,672 participants (0.1%) on Schedule A.
Vision: the largest of the 2 insured vision contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 17 of 11,672 participants (0.1%) on Schedule A.
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 13 insured contracts covering health, dental, vision, life and disability; the largest, with LIFE INSURANCE COMPANY OF NORTH AMERICA, covers 8,150 people.
Reported premium across the insured contracts is $10,135,458, with $540,634 in disclosed broker commissions — about 5.3% 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.
RICAEDIA, LLC is the broker of record on 6 of the 13 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including LIFE INSURANCE COMPANY OF NORTH AMERICA, CIGNA HEALTH AND LIFE INSURANCE COMPANY, PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD and KAISER FOUNDATION HEALTH PLAN, INC.. LIFE INSURANCE COMPANY OF NORTH AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 15,473 | Jan 1, 2025 | $2,392,741 | $245,204 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 3,995 | Jan 1, 2025 | $580,029 | $78,904 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 2,431 | Jan 1, 2025 | $438,886 | $59,984 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 16,556 | Jan 1, 2025 | $897,738 | $56,890 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 2,004 | Jan 1, 2025 | $374,286 | $51,144 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 1,940 | Jan 1, 2025 | $334,087 | $36,750 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Dental, Vision | 17 | Jan 1, 2025 | $186,689 | $7,592 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 219 | Jan 1, 2025 | $65,400 | $3,320 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 281 | Jan 1, 2025 | $16,915 | $846 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 8,150 | Jan 1, 2025 | $2,500,394 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 10,535 | Jan 1, 2025 | $2,265,436 | $0 |
| TRIPLE S SALUD, INC. | Health, Dental | 7 | Jan 1, 2025 | $74,692 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 42 | Jan 1, 2025 | $8,165 | $0 |
Premium and claims on this contract
TRIPLE S SALUD, INC., contract SP0007216. For the contract year on this filing, the carrier reported $74,692 in premium earned and $59,310 in claims incurred. Dividing one by the other gives 79%.
- TRIPLE S SALUD, INC., contract SP0007216 reported $0 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.
Other plans filed by this employer
How this plan compares
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