Form 5500 · Employee benefit plan · PHILADELPHIA, PA
BOARD OF TRUSTEES USW DISTRICT 10, LOCAL 286,
The filing calls this plan USW DISTRICT 10, LOCAL 286, HEALTH AND WELFARE FUND.
BOARD OF TRUSTEES USW DISTRICT 10, LOCAL 286, of PHILADELPHIA, PA is a 1,637-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is STEVEN RODIA. Coverage is written through KEYSTONE HEALTH PLAN EAST and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1661924 · plan 501 · plan year 2024, filed Sep 16, 2025
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2,778 other employer plans in Pennsylvania have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
Benefits declared on this filing
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with KEYSTONE HEALTH PLAN EAST, covers 3,963 people.
Reported premium across the insured contracts is $21,064,398, with $41,117 in disclosed broker commissions — about 0.2% 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.
STEVEN RODIA is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including KEYSTONE HEALTH PLAN EAST, INDEPENDENCE BLUE CROSS, RELIANCE STANDARD LIFE INSURANCE COMPANY and UNITED CONCORDIA INSURANCE COMPANY. KEYSTONE HEALTH PLAN EAST writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 2,840 | Jan 1, 2025 | $528,221 | $41,117 |
| KEYSTONE HEALTH PLAN EAST | Health | 3,963 | Jan 1, 2025 | $19,227,754 | $0 |
| INDEPENDENCE BLUE CROSS | Health, Vision | 2,453 | Jan 1, 2025 | $798,103 | $0 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 2,453 | Jan 1, 2025 | $445,022 | $0 |
| AMERIHEALTH INSURANCE COMPANY | Health | 11 | Jan 1, 2025 | $65,298 | $0 |
Premium and claims on these contracts
KEYSTONE HEALTH PLAN EAST, contract 34245/357562. For the contract year on this filing, the carrier reported $19,227,754 in premium earned and $13,314,034 in claims incurred. Dividing one by the other gives 69%.
INDEPENDENCE BLUE CROSS, contract 34245. For the contract year on this filing, the carrier reported $798,103 in premium earned and $732,419 in claims incurred. Dividing one by the other gives 92%.
UNITED CONCORDIA INSURANCE COMPANY, contract 921948/921949. For the contract year on this filing, the carrier reported $445,022 in premium earned and $299,448 in claims incurred. Dividing one by the other gives 67%.
AMERIHEALTH INSURANCE COMPANY, contract 34245/357562. For the contract year on this filing, the carrier reported $65,298 in premium earned and $3,974 in claims incurred. Dividing one by the other gives 6%.
- KEYSTONE HEALTH PLAN EAST, contract 34245/357562 reported $2,003,141 in retention.
- INDEPENDENCE BLUE CROSS, contract 34245 reported $78,304 in retention.
- UNITED CONCORDIA INSURANCE COMPANY, contract 921948/921949 reported $122,069 in retention.
- AMERIHEALTH INSURANCE COMPANY, contract 34245/357562 reported $6,741 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.
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