Form 5500 · Employee benefit plan · WYOMISSING, PA
BERKS CONSTRUCTION GROUP, LLC
The filing calls this plan BERKS CONSTRUCTION GROUP LLC EMPLOYEE BENEFIT PLAN.
BERKS CONSTRUCTION GROUP, LLC of WYOMISSING, PA is a 51-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is TOMPKINS AGENCIES INC. Coverage is written through OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 81-3983474 · plan 501 · plan year 2024, filed Mar 18, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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.
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 7 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with OPTUM HEALTH (UNIMERICA INSURANCE COMPANY), covers 59 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $313,705 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $417,277, with $10,552 in disclosed broker commissions — about 2.5% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 33 | Jan 1, 2025 | $28,654 | $2,866 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 64 | Jan 1, 2025 | $24,989 | $2,841 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 73 | Jan 1, 2025 | $18,815 | $1,882 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 34 | Jan 1, 2025 | $17,139 | $1,714 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 73 | Jan 1, 2025 | $9,482 | $948 |
| HIGHMARK INC. | Vision | 65 | Jan 1, 2025 | $4,493 | $301 |
| OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | Stop-loss | 59 | Jan 1, 2025 | $313,705 | $0 |
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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule I
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Pennsylvania. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Pennsylvania — largest plans, brokers, carriers and renewal months.