Form 5500 · Employee benefit plan · WEST CHESTER, PA
ACCESSLEX INSTITUTE
The filing calls this plan ACCESSLEX INSTITUTE HEALTH AND WELFARE PLAN.
ACCESSLEX INSTITUTE of WEST CHESTER, PA is a 124-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through INDEPENDENCE BLUE CROSS and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2719985 · plan 501 · plan year 2024, filed Oct 7, 2025
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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: death benefits.
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with INDEPENDENCE BLUE CROSS, covers 215 people.
Reported premium across the insured contracts is $2,474,395, with $69,332 in disclosed broker commissions — about 2.8% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, METROPOLITAN LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA and VISION SERVICE PLAN. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 215 | Jan 1, 2025 | $1,841,241 | $53,566 |
| INDEPENDENCE BLUE CROSS | Health | 215 | Jan 1, 2025 | $367,633 | $10,703 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 272 | Jan 1, 2025 | $126,710 | $3,893 |
| VISION SERVICE PLAN | Vision | 110 | Jan 1, 2025 | $14,715 | $962 |
| HARTFORD FIRE INSURANCE COMPANY | — | 119 | Apr 1, 2024 | $1,386 | $208 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 117 | Jan 1, 2025 | $47,752 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 117 | Jan 1, 2025 | $44,829 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 117 | Jan 1, 2025 | $20,590 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 117 | Jan 1, 2025 | $9,539 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 1742700. For the contract year on this filing, the carrier reported $1,841,241 in premium earned and $1,317,454 in claims incurred. Dividing one by the other gives 72%.
INDEPENDENCE BLUE CROSS, contract 1742700. For the contract year on this filing, the carrier reported $367,633 in premium earned and $523,462 in claims incurred. Dividing one by the other gives 142%.
- INDEPENDENCE BLUE CROSS, contract 1742700 reported $224,671 in retention.
- INDEPENDENCE BLUE CROSS, contract 1742700 reported $15,848 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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