Form 5500 · Employee benefit plan · PHILADELPHIA, PA
BENNETT BRICKLIN & SALTZBURG LLC
The filing calls this plan BENNETT BRICKLIN AND SALTZBURG LLC FLEXIBLE BENEFIT PLAN.
BENNETT BRICKLIN & SALTZBURG LLC of PHILADELPHIA, PA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HARDENBERGH INSURANCE GROUP. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-0444519 · plan 502 · plan year 2025, filed Sep 8, 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: death benefits, 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 9 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 154 people.
Reported premium across the insured contracts is $1,163,529, with $84,639 in disclosed broker commissions — about 7.3% 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.
HARDENBERGH INSURANCE GROUP is the broker of record on 6 of the 9 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, STANDARD INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA and VISION BENEFITS OF AMERICA. 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 | 154 | Jan 1, 2026 | $877,559 | $43,386 |
| STANDARD INSURANCE COMPANY | Life | 170 | Jan 1, 2026 | $90,394 | $14,491 |
| STANDARD INSURANCE COMPANY | Disability | 170 | Jan 1, 2026 | $76,662 | $11,205 |
| STANDARD INSURANCE COMPANY | Disability | 169 | Jan 1, 2026 | $54,824 | $8,016 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 116 | Jan 1, 2026 | $31,061 | $4,659 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 22 | Jan 1, 2026 | $12,583 | $1,484 |
| VISION BENEFITS OF AMERICA | Vision | 114 | Jan 1, 2026 | $14,578 | $729 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 10 | Jan 1, 2026 | $4,722 | $553 |
| PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | 3 | Jan 1, 2026 | $1,146 | $116 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 763601. For the contract year on this filing, the carrier reported $83,554 in premium earned and $14,945 in claims incurred. Dividing one by the other gives 18%.
STANDARD INSURANCE COMPANY, contract 763601. For the contract year on this filing, the carrier reported $71,036 in premium earned and $23,032 in claims incurred. Dividing one by the other gives 32%.
STANDARD INSURANCE COMPANY, contract 763601. For the contract year on this filing, the carrier reported $50,817 in premium earned and $38,806 in claims incurred. Dividing one by the other gives 76%.
VISION BENEFITS OF AMERICA, contract 3918. For the contract year on this filing, the carrier reported $14,578 in premium earned and $7,813 in claims incurred. Dividing one by the other gives 54%.
- STANDARD INSURANCE COMPANY, contract 763601 reported $68,482 in retention.
- STANDARD INSURANCE COMPANY, contract 763601 reported $47,897 in retention.
- STANDARD INSURANCE COMPANY, contract 763601 reported $36,153 in retention.
- VISION BENEFITS OF AMERICA, contract 3918 reported $6,764 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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