Form 5500 · Employee benefit plan · WOMELSDORF, PA
BETHANY CHILDRENS HOME
The filing calls this plan BETHANY CHILDREN'S HOME & AFFILIATED EMPLOYERS GROUP BENEFIT PLAN.
Public Form 5500 records show how BETHANY CHILDRENS HOME of WOMELSDORF, PA, a health care and social assistance employer, structures its employee benefits. Its broker of record is STRATEBEN INC. Coverage is written through MARKEL INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1365188 · plan 502 · plan year 2025, filed Jan 29, 2026
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How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: CAPITAL ADVANTAGE ASSURANCE COMPANY covers 18 of 183 participants (9.8%) on Schedule A.
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.
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 5 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with MARKEL INSURANCE COMPANY, covers 186 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $777,148, with $28,936 in disclosed broker commissions — about 3.7% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
STRATEBEN INC is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Life, Disability | 212 | Jul 1, 2025 | $147,569 | $11,577 |
| STANDARD INSURANCE COMPANY | Dental | 194 | Jul 1, 2025 | $81,400 | $8,140 |
| CAPITAL ADVANTAGE ASSURANCE COMPANY | Health | 18 | Jul 1, 2025 | $44,007 | $7,128 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 160 | Jul 1, 2025 | $21,164 | $2,091 |
| MARKEL INSURANCE COMPANY | Stop-loss | 186 | Jul 1, 2025 | $483,008 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 111422. For the contract year on this filing, the carrier reported $147,569 in premium earned and $62,069 in claims incurred. Dividing one by the other gives 42%.
STANDARD INSURANCE COMPANY, contract 762542. For the contract year on this filing, the carrier reported $81,400 in premium earned and $51,126 in claims incurred. Dividing one by the other gives 63%.
- STANDARD INSURANCE COMPANY, contract 111422 reported $148,945 in retention.
- STANDARD INSURANCE COMPANY, contract 762542 reported $29,753 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.
Other plans filed by this employer
How this plan compares
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