Form 5500 · Employee benefit plan · HARRISBURG, PA
MIWD HOLDING COMPANY, LLC
The filing calls this plan MI WINDOWS AND DOORS HEALTH BENEFITS PLAN.
Public Form 5500 records show how MIWD HOLDING COMPANY, LLC of HARRISBURG, PA, a manufacturing employer, structures its employee benefits. Its broker of record is MULTIPLE BROKERS. Coverage is written through STANDARD INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-1635784 · plan 501 · plan year 2025, filed Oct 30, 2025
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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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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 6 insured contracts covering health, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 5,200 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $5,801,199, with $219,994 in disclosed broker commissions — about 3.8% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
MULTIPLE BROKERS is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | Health | 2,520 | Apr 1, 2025 | $974,219 | $219,994 |
| STANDARD INSURANCE COMPANY | Life | 5,200 | Apr 1, 2025 | $1,764,068 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 5,201 | Apr 1, 2025 | $1,417,728 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 4,413 | Apr 1, 2025 | $1,146,417 | $0 |
| HIGHMARK INC. | Vision | 3,756 | Apr 1, 2025 | $472,539 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 4 | Apr 1, 2025 | $26,228 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 164037. For the contract year on this filing, the carrier reported $1,764,068 in premium earned and $2,975,283 in claims incurred. Dividing one by the other gives 169%.
STANDARD INSURANCE COMPANY, contract 164037. For the contract year on this filing, the carrier reported $1,146,417 in premium earned and $1,355,726 in claims incurred. Dividing one by the other gives 118%.
- STANDARD INSURANCE COMPANY, contract 164037 reported $344,226 in retention.
- STANDARD INSURANCE COMPANY, contract 164037 reported $399,577 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.
How this plan compares
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Renewal calendar
147 other employer plans in Pennsylvania are April 1 renewals (policy year ends March).
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