Form 5500 · Employee benefit plan · KENNETT SQUARE, PA
MANFREDI COLD STORAGE & DISTRIBUTION
The filing calls this plan THE MANFREDI COMPANIES HEALTH AND WELFARE PLAN.
MANFREDI COLD STORAGE & DISTRIBUTION of KENNETT SQUARE, PA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is KISTLER TIFFANY BENEFITS GENERAL. Coverage is written through INDEPENDENCE BLUE CROSS and 4 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2444781 · plan 501 · plan year 2025, filed Sep 14, 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: 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 6 insured contracts covering health, dental and vision; the largest, with INDEPENDENCE BLUE CROSS, covers 135 people.
Reported premium across the insured contracts is $1,204,551, with $114,240 in disclosed broker commissions — about 9.5% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
KISTLER TIFFANY BENEFITS GENERAL is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY, AFLAC and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 135 | Dec 1, 2025 | $713,485 | $63,304 |
| AFLAC | — | 73 | Dec 1, 2025 | $68,489 | $33,154 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 85 | Dec 1, 2025 | $84,182 | $12,926 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 122 | Dec 1, 2025 | $55,415 | $2,771 |
| INDEPENDENCE BLUE CROSS | Health, Vision | 173 | Dec 1, 2025 | $277,238 | $2,085 |
| ALLONE HEALTH | — | 330 | Dec 1, 2025 | $5,742 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 0000725431. For the contract year on this filing, the carrier reported $713,485 in premium earned and $415,980 in claims incurred. Dividing one by the other gives 58%.
INDEPENDENCE BLUE CROSS, contract 0000725431. For the contract year on this filing, the carrier reported $277,238 in premium earned and $518,672 in claims incurred. Dividing one by the other gives 187%.
- INDEPENDENCE BLUE CROSS, contract 0000725431 reported $72,791 in retention.
- INDEPENDENCE BLUE CROSS, contract 0000725431 reported $11,951 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.
Reported to OSHA
Reported to OSHA for 2025: 233 employees, 9 recordable cases, 181 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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