Form 5500 · Employee benefit plan · COLUMBUS, OH
YWCA COLUMBUS (LIFE/LTD)
The filing calls this plan YWCA COLUMBUS (LIFE/LTD) HEALTH AND WELFARE PLAN.
YWCA COLUMBUS (LIFE/LTD) of COLUMBUS, OH insures health, dental, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is JAMES B. OSWALD COMPANY. Coverage is written through AETNA LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 31-4379597 · plan 501 · plan year 2025, filed Jan 7, 2026
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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: 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, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 154 people.
Reported premium across the insured contracts is $1,285,307, with $21,886 in disclosed broker commissions — about 1.7% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
JAMES B. OSWALD COMPANY is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, METROPOLITAN LIFE INSURANCE COMPANY and DELTA DENTAL OF OHIO. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 168 | Jul 1, 2025 | $114,564 | $16,952 |
| DELTA DENTAL OF OHIO | Dental | 168 | Jul 1, 2025 | $70,411 | $3,323 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 67 | Jul 1, 2025 | $6,308 | $1,611 |
| AETNA LIFE INSURANCE COMPANY | Health | 154 | Jul 1, 2025 | $1,094,024 | $0 |
Premium and claims on this contract
DELTA DENTAL OF OHIO, contract 77. For the contract year on this filing, the carrier reported $70,046 in premium earned and $39,095 in claims incurred. Dividing one by the other gives 56%.
- DELTA DENTAL OF OHIO, contract 77 reported $15,234 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.
Other plans filed by this employer
How this plan compares
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