Form 5500 · Employee benefit plan · EASTON, PA
LAFAYETTE COLLEGE
The filing calls this plan LAFAYETTE COLLEGE HEALTH AND WELFARE PLAN.
LAFAYETTE COLLEGE of EASTON, PA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is EMERSON ROGERS, LLC. Coverage is written through CAPITAL ADVANTAGE ASSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 24-0795686 · plan 509 · plan year 2025, filed Apr 1, 2026
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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 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.
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 6 insured contracts covering health, dental, life and disability; the largest, with CAPITAL ADVANTAGE ASSURANCE COMPANY, covers 1,314 people.
Reported premium across the insured contracts is $11,038,049, with $97,981 in disclosed broker commissions — about 0.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
EMERSON ROGERS, LLC is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including CAPITAL ADVANTAGE ASSURANCE COMPANY, HIGHMARK INC., METROPOLITAN LIFE INSURANCE COMPANY and DELTA DENTAL OF PENNSYLVANIA. CAPITAL ADVANTAGE ASSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 833 | Jan 1, 2025 | $490,215 | $52,913 |
| HDI GLOBAL SPECIALTY SE | — | 487 | Jul 1, 2025 | $40,178 | $21,549 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 1,278 | Jan 1, 2025 | $164,863 | $16,486 |
| DELTA DENTAL OF PENNSYLVANIA | Dental | 1,333 | Jan 1, 2025 | $468,876 | $7,033 |
| CAPITAL ADVANTAGE ASSURANCE COMPANY | Health | 1,314 | Jan 1, 2025 | $9,159,854 | $0 |
| HIGHMARK INC. | Health | 224 | Jan 1, 2025 | $714,063 | $0 |
Premium and claims on this contract
CAPITAL ADVANTAGE ASSURANCE COMPANY, contract 528332. For the contract year on this filing, the carrier reported $9,159,854 in premium earned and $11,537,998 in claims incurred. Dividing one by the other gives 126%.
- CAPITAL ADVANTAGE ASSURANCE COMPANY, contract 528332 reported $1,497,754 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.
Other plans filed by this employer
How this plan compares
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