Form 5500 · Employee benefit plan · HARRISBURG, PA
HOMELAND
The filing calls this plan HOMELAND WELFARE PLAN.
HOMELAND of HARRISBURG, PA is a 207-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is JOANN G CIAVARELLA. Coverage is written through EVEREST REINSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1365148 · plan 501 · plan year 2025, filed Dec 18, 2025
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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, 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 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with EVEREST REINSURANCE COMPANY, covers 182 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 $864,870, with $38,535 in disclosed broker commissions — about 4.5% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
JOANN G CIAVARELLA is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AFLAC | Health, Life, Disability | 85 | Sep 1, 2024 | $88,933 | $14,459 |
| CAPITAL ADVANTAGE ASSURANCE COMPANY | Dental | 176 | Jun 1, 2025 | $89,882 | $7,640 |
| NORTHWESTERN MUTUAL | Disability | 201 | Jul 1, 2024 | $145,669 | $5,348 |
| NORTHWESTERN MUTUAL | Disability | 49 | Jul 1, 2024 | $32,500 | $4,350 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 50 | Jun 1, 2025 | $25,307 | $2,608 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 201 | Sep 1, 2024 | $37,896 | $2,522 |
| CAPITAL ADVANTAGE ASSURANCE COMPANY | Vision | 176 | Jun 1, 2025 | $15,853 | $1,348 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life, Disability | 9 | Oct 1, 2024 | $4,414 | $260 |
| EVEREST REINSURANCE COMPANY | Stop-loss | 182 | Jan 1, 2025 | $274,471 | $0 |
| ZURICH AMERICAN INSURANCE COMPANY | Stop-loss | 184 | Jun 1, 2025 | $149,945 | $0 |
Premium and claims on these contracts
CAPITAL ADVANTAGE ASSURANCE COMPANY, contract 00525834. For the contract year on this filing, the carrier reported $89,882 in premium earned and $66,451 in claims incurred. Dividing one by the other gives 74%.
NORTHWESTERN MUTUAL, contract 660139. For the contract year on this filing, the carrier reported $145,669 in premium earned and $118,143 in claims incurred. Dividing one by the other gives 81%.
NORTHWESTERN MUTUAL, contract 660139. For the contract year on this filing, the carrier reported $32,500 in premium earned and $1,091 in claims incurred. Dividing one by the other gives 3%.
CAPITAL ADVANTAGE ASSURANCE COMPANY, contract 00525834. For the contract year on this filing, the carrier reported $15,853 in premium earned and $9,461 in claims incurred. Dividing one by the other gives 60%.
- CAPITAL ADVANTAGE ASSURANCE COMPANY, contract 00525834 reported $29,578 in retention.
- NORTHWESTERN MUTUAL, contract 660139 reported $34,784 in retention.
- NORTHWESTERN MUTUAL, contract 660139 reported $31,409 in retention.
- CAPITAL ADVANTAGE ASSURANCE COMPANY, contract 00525834 reported $4,123 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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