Form 5500 · Employee benefit plan · NEW YORK, NY
ZIFF BROTHERS INVESTMENTS, LLC
The filing calls this plan ZIFF BROTHERS INVESTMENTS, LLC EMPLOYEE WELFARE PLAN.
ZIFF BROTHERS INVESTMENTS, LLC of NEW YORK, NY insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-3810050 · plan 501 · plan year 2024, filed Oct 10, 2025
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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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
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.
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 CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 554 people.
Reported premium across the insured contracts is $1,207,059, with $242,985 in disclosed broker commissions — about 20% 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.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, FIRST UNUM LIFE INSURANCE COMPANY and VISION SERVICE PLAN. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 554 | Jan 1, 2025 | $861,387 | $217,269 |
| FIRST UNUM LIFE INSURANCE COMPANY | Life, Disability | 183 | Jan 1, 2025 | $258,313 | $20,708 |
| FIRST UNUM LIFE INSURANCE COMPANY | — | 129 | Jan 1, 2025 | $50,292 | $5,008 |
| VISION SERVICE PLAN | Vision | 209 | Jan 1, 2025 | $37,067 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3213480. For the contract year on this filing, the carrier reported $338,421 in premium earned and $36,921 in claims incurred. Dividing one by the other gives 11%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3213480 reported $597,810 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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