Form 5500 · Employee benefit plan · NORRISTOWN, PA
CENTRAL BEHAVIORAL HEALTH
The filing calls this plan CENTRAL BEHAVIORAL HEALTH - HEALTH AND WELFARE BENEFIT PLAN.
Public Form 5500 records show how CENTRAL BEHAVIORAL HEALTH of NORRISTOWN, PA, a health care and social assistance employer, structures its employee benefits. Its broker of record is FLEXIBLE BENEFIT PLANS, LLC. Coverage is written through INDEPENDENCE BLUE CROSS and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1548819 · plan 501 · plan year 2025, filed Jun 17, 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 12 insured contracts covering health, dental, vision, life and disability; the largest, with INDEPENDENCE BLUE CROSS, covers 103 people.
Reported premium across the insured contracts is $909,278, with $55,635 in disclosed broker commissions — about 6.1% 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.
FLEXIBLE BENEFIT PLANS, LLC is the broker of record on 1 of the 12 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, DELTA DENTAL OF PENNSYLVANIA, RELIANCE STANDARD LIFE INSURANCE COMPANY and FIDELITY SECURITY LIFE INSURANCE COMPANY. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 103 | Jan 1, 2026 | $605,774 | $43,316 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 108 | Jan 1, 2026 | $8,045 | $3,420 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 117 | Jan 1, 2026 | $44,134 | $2,207 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 62 | Jan 1, 2026 | $13,044 | $1,957 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 67 | Jan 1, 2026 | $10,386 | $1,558 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 106 | Jan 1, 2026 | $9,640 | $1,446 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 34 | Jan 1, 2026 | $4,587 | $688 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Health | 20 | Jan 1, 2026 | $3,405 | $511 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Health | 15 | Jan 1, 2026 | $1,893 | $284 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 5 | Jan 1, 2026 | $2,005 | $200 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 3 | Jan 1, 2026 | $238 | $48 |
| INDEPENDENCE BLUE CROSS | Health | 103 | Jan 1, 2026 | $206,127 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 0002236980. For the contract year on this filing, the carrier reported $605,774 in premium earned and $944,433 in claims incurred. Dividing one by the other gives 156%.
INDEPENDENCE BLUE CROSS, contract 0002236980. For the contract year on this filing, the carrier reported $206,127 in premium earned and $191,186 in claims incurred. Dividing one by the other gives 93%.
- INDEPENDENCE BLUE CROSS, contract 0002236980 reported $59,603 in retention.
- INDEPENDENCE BLUE CROSS, contract 0002236980 reported $4,922 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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