Form 5500 · Employee benefit plan · BALTIMORE, MD
KESWICK MULTI CARE CENTER INC.
The filing calls this plan KESWICK GROUP WELFARE PLAN UNION EMPLOYEES.
Public Form 5500 records show how KESWICK MULTI CARE CENTER INC. of BALTIMORE, MD, a health care and social assistance employer, structures its employee benefits. Its broker of record is AP BENEFIT ADVISORS, LLC.. Coverage is written through RELIANCE STANDARD LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-0591485 · plan 515 · plan year 2024, filed Oct 30, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 4 insured contracts covering life and disability; the largest, with RELIANCE STANDARD LIFE INSURANCE COMPANY, covers 197 people.
The filing declares life, disability, health, dental and vision. Health, dental and vision 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 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $103,584, with $5,159 in disclosed broker commissions — about 5% of premium.
The most recent policy period ended in June, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
AP BENEFIT ADVISORS, LLC. is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 197 | Jul 1, 2024 | $62,241 | $2,674 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 194 | Jan 1, 2025 | $31,242 | $1,911 |
| UNUM INSURANCE COMPANY | — | 0 | Jan 1, 2025 | $2,217 | $574 |
| ACI ENTERPRISES, INC. | — | 266 | Jan 1, 2025 | $7,884 | $0 |
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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