Filings through .
History & trajectory Charts need 2 or more years. This plan has 10 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan has rich benefits or a bad rate.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Rx | Rx | |
Stop-loss | Stop-loss | |
Rx | Rx | |
Broker: Delaware Valley Health Care Colaiti Dental | Dental | |
Broker: Wade Financial Inc. Life | Life |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 2,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,251 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,297 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 848 | $438K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,055 | $416K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 1,549 | $5.8M |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 3,297 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,297 | - |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions |
|---|---|
Carrier: Standard Insurance Company | |
Carrier: Delta Dental of Pennsylvania |
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE BLUE CROSS EIN 23-0370270 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.2M |
| SHEET METAL WORKERS LOC,#19 PENSION EIN 23-1494364 RELATED PARTY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.2M |
| GUARDIAN NURSES EIN 57-1187937 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $662K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | — | $635K |
| BENECARD SERVICES INC EIN 22-2998772 NONE | Direct payment from the plan; Other services Service code 49 | — | $251K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $121K |
| CONNER STRONG & BUCKELEW COMPANIES EIN 21-0718159 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $114K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 | Direct payment from the plan; Claims processing Service code 12 | — | $72K |
| BRIDGEWAY BENEFIT TECHNOLOGIES LLC EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $67K |
| CHARTWELL INVESTMENT PARTNERS EIN 23-2891243 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $59K |
| BOYD WATTERSON ASSET MGMT LLC EIN 34-1922005 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $52K |
| SPEAR WILDERMAN,PC EIN 23-2749511 NONE | Legal; Direct payment from the plan Service code 29 | — | $45K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| SUSANIN,WIDMAN & BRENNAN, PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432392 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | — | $33K |
| DELAWARE VALLEY HEALTHCARE COALITIO EIN 23-2813763 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other services; Other insurance fees and expenses Service code 22 | — | $24K |
| TD BANK, N.A. EIN 01-0137770 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $20K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $18K |
| PRINCIPAL FINANCIAL GROUP, INC. EIN 42-1520346 NONE | Direct payment from the plan; Other services; Custodial (securities) Service code 19 | — | $8K |
| KENNEDY PRINTING COMPANY INC EIN 23-1699861 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $7K |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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10 filings · 2016 to 2025