---
title: STANDARD INSURANCE COMPANY — employer benefit plan carrier profile (DOL Form 5500)
license: CC0-1.0
source: DOL Form 5500 employer welfare-plan filings (EFAST2)
---

# STANDARD INSURANCE COMPANY — employer benefit plan carrier profile (DOL Form 5500)

STANDARD INSURANCE COMPANY (EIN 930242990) administers 419 employer welfare-benefit plans covering 243 employers and 173,796 persons (end-of-year count). Benefit types: health, life, ltd, std. Loss ratio: 57.8%. Atlas Commons aggregation over DOL Form 5500 EFAST2. CC0.

## Claims

### STANDARD INSURANCE COMPANY (EIN 930242990) administers 419 employer benefit plans per DOL Form 5500 EFAST2

**RECORDED.** DOL Form 5500 EFAST2 filings record STANDARD INSURANCE COMPANY (EIN 930242990, NAIC code 69019) as the carrier on 419 employer welfare-benefit plan schedule A attachments, covering 243 distinct employer EINs. Benefit types: health, life, ltd, std. This is a verbatim count of DOL EFAST2 records linking this carrier to employer plans.

Source: DOL Form 5500 employer welfare-plan filings (EFAST2) — https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500
Falsifier: Verify at the DOL EFAST2 public filing portal (https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500). Falsified if a direct count of Schedule A records naming EIN 930242990 as carrier differs from 419.

### STANDARD INSURANCE COMPANY covers approximately 173,796 persons across its employer benefit plans (end-of-year count, DOL Form 5500 employer welfare-plan filings (EFAST2))

**DERIVED.** Atlas Commons sums the persons_covered_eoy field across all 419 DOL Form 5500 Schedule A records naming STANDARD INSURANCE COMPANY (EIN 930242990) as carrier: 173,796 persons covered at end of year. This is a faithful sum of DOL-published figures — no adjustment for overlap across multiple plans at the same employer.

Source: DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons aggregation) — https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500
Falsifier: Sum persons_covered_eoy for all Schedule A records with carrier EIN 930242990 in the DOL EFAST2 data. Falsified if the total differs.

### STANDARD INSURANCE COMPANY received $80,764,068 in welfare premiums and paid $46,644,455 in claims per DOL Form 5500 Schedule A

**DERIVED.** Atlas Commons sums the welfare_premium_rcvd_amt and welfare_claims_paid_amt fields across all 419 DOL Form 5500 Schedule A records naming STANDARD INSURANCE COMPANY (EIN 930242990) as carrier: $80,764,068 in premiums received and $46,644,455 in claims paid. These are faithful sums of DOL-published Schedule A figures. Many records have blank premium/claims amounts; the sum reflects only non-blank values.

Source: DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons aggregation) — https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500
Falsifier: Sum welfare_premium_rcvd_amt and welfare_claims_paid_amt for carrier EIN 930242990 in DOL EFAST2. Falsified if totals differ.

### STANDARD INSURANCE COMPANY employer-plan loss ratio: 57.8% (Atlas Commons — claims paid / premiums received)

**DERIVED.** Atlas Commons computes STANDARD INSURANCE COMPANY's employer-plan loss ratio as 57.8% (total claims paid / total premiums received × 100) across all DOL Form 5500 Schedule A records. A ratio below 100% means the carrier paid less in claims than it received in premiums. This is an Atlas Commons computation over the DOL-published Schedule A figures; DOL does not publish a per-carrier loss ratio.

Source: DOL Form 5500 employer welfare-plan filings (EFAST2) (Atlas Commons — claims_paid / premium_received × 100) — https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/reporting-and-filing/form-5500
Falsifier: Reproduce: divide sum(welfare_claims_paid_amt) by sum(welfare_premium_rcvd_amt) for carrier EIN 930242990. Falsified if the ratio differs.

### What this benefit carrier profile is — and is NOT — for STANDARD INSURANCE COMPANY

**INTERPRETATION.** This profile aggregates DOL Form 5500 Schedule A filings at the carrier level. Plan counts and person totals are AGGREGATED (Atlas Commons sums of DOL-published Schedule A figures). Loss ratio is an Atlas Commons computation. This surface answers "how many employer plans report this carrier on Form 5500?" — it is NOT a carrier quality rating, a complaint study, a solvency indicator, or a recommendation. Form 5500 reflects what employers self-report; the DOL does not independently verify carrier quality or financial strength from this data.

Source: Coverage Atlas framing (over the DOL Form 5500 sources cited above) — https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/930242990
Falsifier: occurred=FALSE (a framing) and adjudged=FALSE — the lowest-warrant claim in this dataset. Counts and dollar totals above are computable from DOL EFAST2.

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Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/benefit-carriers/930242990.jsonld`

## Data

### STANDARD INSURANCE COMPANY — employer benefit plan summary (DOL Form 5500)

Plan counts, person totals, premium, and claims are AGGREGATED (Atlas Commons sums of DOL Form 5500 Schedule A published figures). Loss ratio = claims paid / premiums received × 100 (AGGREGATED). Carrier EIN and NAIC code are RECORDED (DOL verbatim). Source: DOL Form 5500 EFAST2.

| Metric | Value | Warrant |
| --- | --- | --- |
| Plans on DOL Form 5500 Schedule A | 419 | AGGREGATED |
| Distinct employer EINs | 243 | AGGREGATED |
| Persons covered (end-of-year total) | 173,796 | AGGREGATED |
| Welfare premiums received | $80,764,068 | AGGREGATED |
| Welfare claims paid | $46,644,455 | AGGREGATED |
| Loss ratio (claims / premium) | 57.8% | AGGREGATED |
| Carrier EIN | 930242990 | RECORDED |
| NAIC code | 69019 | RECORDED |
| Benefit types | health, life, ltd, std | AGGREGATED |