Form 5500 · Employee benefit plan · WEST TRENTON, NJ
BOARD OF TRUSTEES IBEW LOCAL UNION 163 HEALTH AND WELFARE FUND
The filing calls this plan ELECTRICAL WORKERS IBEW LOCAL NO. 163 HEALTH AND WELFARE FUND.
BOARD OF TRUSTEES IBEW LOCAL UNION 163 HEALTH AND WELFARE FUND of WEST TRENTON, NJ files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is DELAWARE VALLEY HEALTH CARE. Coverage is written through VISION BENEFITS OF AMERICA and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-6390518 · plan 501 · plan year 2025, filed Dec 15, 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
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.
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 2 insured contracts covering dental and vision; the largest, with VISION BENEFITS OF AMERICA, covers 294 people.
The filing declares dental, vision, health, life and disability. Health, life and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium is $21,530; the filing discloses no broker commission on these contracts.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
DELAWARE VALLEY HEALTH CARE is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| VISION BENEFITS OF AMERICA | Vision | 294 | Apr 1, 2025 | $21,530 | $0 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 638 | Apr 1, 2025 | — | $0 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 3044. For the contract year on this filing, the carrier reported $21,530 in premium earned and $11,495 in claims incurred. Dividing one by the other gives 53%.
- VISION BENEFITS OF AMERICA, contract 3044 reported $10,035 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. 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 H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
Subscribers see how this compares with similar plans in New Jersey. 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 New Jersey — largest plans, brokers, carriers and renewal months.