Form 5500 · Employee benefit plan · WEST CHESTER, PA
COMMUNICATIONS TEST DESIGN, INC.
The filing calls this plan COMMUNICATIONS TEST DESIGN, INC. WELFARE BENEFIT PLAN.
COMMUNICATIONS TEST DESIGN, INC. of WEST CHESTER, PA insures health, dental and vision coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through INDEPENDENCE BLUE CROSS and 8 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2015935 · plan 501 · plan year 2025, filed Apr 7, 2026
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147 other employer plans in Pennsylvania have policy years ending in March. 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 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
9 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 15 insured contracts covering health, dental and vision; the largest, with INDEPENDENCE BLUE CROSS, covers 7,062 people.
The filing declares health, dental, vision, life and disability. Life and disability appear 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 one of the 9 contracts here that do not say what they cover.
Reported premium across the insured contracts is $69,770,391, with $312,260 in disclosed broker commissions — about 0.4% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 3 of the 15 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 4,585 | Apr 1, 2025 | $1,506,857 | $126,281 |
| CVS PHARMACY, INC | Health | 8,709 | Apr 1, 2025 | $15,162,314 | $96,319 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 906 | — | $305,914 | $57,644 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 808 | Apr 1, 2025 | $191,031 | $28,087 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 6 | Mar 1, 2025 | $37,050 | $3,929 |
| INDEPENDENCE BLUE CROSS | Health | 7,062 | Apr 1, 2025 | $49,834,163 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 1,256 | Apr 1, 2025 | $827,370 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 1,266 | Apr 1, 2025 | $574,740 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 7,687 | Apr 1, 2025 | $558,954 | $0 |
| INDEPENDENCE BLUE CROSS | Vision | 7,062 | Apr 1, 2025 | $267,899 | $0 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 7,062 | Apr 1, 2025 | $177,779 | $0 |
| MAGELLAN HEALTHCARE | Health | 4,554 | Apr 1, 2025 | $149,072 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 7,687 | Apr 1, 2025 | $90,662 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 713 | Apr 1, 2025 | $80,910 | $0 |
| AETNA INTERNATIONAL | — | 93 | Jan 1, 2026 | $5,676 | $0 |
Premium and claims on these contracts
SUN LIFE ASSURANCE COMPANY OF CANADA, contract 966383. For the contract year on this filing, the carrier reported $1,506,857 in premium earned and the same figure again in claims incurred.
INDEPENDENCE BLUE CROSS, contract 153431. For the contract year on this filing, the carrier reported $49,834,163 in premium earned and $44,464,304 in claims incurred. Dividing one by the other gives 89%.
HARTFORD LIFE AND ACCIDENT, contract 681766G. For the contract year on this filing, the carrier reported $827,370 in premium earned and the same figure again in claims incurred.
HARTFORD LIFE AND ACCIDENT, contract 681766G. For the contract year on this filing, the carrier reported $574,740 in premium earned and the same figure again in claims incurred.
HARTFORD LIFE AND ACCIDENT, contract 681766G. For the contract year on this filing, the carrier reported $558,954 in premium earned and the same figure again in claims incurred.
INDEPENDENCE BLUE CROSS, contract 153431. For the contract year on this filing, the carrier reported $267,899 in premium earned and $235,835 in claims incurred. Dividing one by the other gives 88%.
HARTFORD LIFE AND ACCIDENT, contract ADDS09117. For the contract year on this filing, the carrier reported $90,662 in premium earned and the same figure again in claims incurred.
HARTFORD LIFE AND ACCIDENT, contract 681766G. For the contract year on this filing, the carrier reported $80,910 in premium earned and the same figure again in claims incurred.
- INDEPENDENCE BLUE CROSS, contract 153431 reported $5,369,859 in retention.
- INDEPENDENCE BLUE CROSS, contract 153431 reported $32,065 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.
Reported to OSHA
Reported to OSHA for 2025: 5,403 employees, 33 recordable cases, 107 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
One establishment filed under this EIN is left out of these figures: the hours and employees it reported could not both be right.
Other plans filed by this employer
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