Form 5500 · Employee benefit plan · BALA CYNWYD, PA
RAF 2.0, LLC
The filing calls this plan R.A.F. INDUSTRIES GROUP VOLUNTARY PLANS.
RAF 2.0, LLC of BALA CYNWYD, PA is a 380-participant corporate management employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is WILLIS TOWERS WATSON NORTHEAST INC. Coverage is written through STANDARD INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-2313467 · plan 509 · plan year 2025, filed May 18, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
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: prepaid legal, 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.
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 dental, vision, life and disability; the largest, with STANDARD INSURANCE COMPANY, covers 381 people.
Reported premium across the insured contracts is $264,183, with $32,126 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
WILLIS TOWERS WATSON NORTHEAST INC is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including STANDARD INSURANCE COMPANY, HEARTLAND, TRANSAMERICA LIFE INSURANCE COMPANY and ARAG INSURANCE COMPANY. STANDARD INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Dental | 381 | Jan 1, 2026 | $209,272 | $22,737 |
| TRANSAMERICA LIFE INSURANCE COMPANY | Life, Disability | 366 | Jan 1, 2026 | $21,824 | $5,911 |
| HEARTLAND | Vision | 527 | Jan 1, 2026 | $27,452 | $2,745 |
| ARAG INSURANCE COMPANY | — | 40 | Jan 1, 2026 | $5,635 | $733 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 760674. For the contract year on this filing, the carrier reported $209,272 in premium earned and $167,306 in claims incurred. Dividing one by the other gives 80%.
- STANDARD INSURANCE COMPANY, contract 760674 reported $67,860 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
Subscribers see how this compares with similar plans in Pennsylvania. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
2,778 other employer plans in Pennsylvania are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Pennsylvania — largest plans, brokers, carriers and renewal months.