Form 5500 · Employee benefit plan · WEST CONSHOHOCKEN, PA
SMG
The filing calls this plan SMG WELFARE PLAN.
SMG of WEST CONSHOHOCKEN, PA is a 4,234-participant arts, entertainment and recreation employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through HEALTH OPTIONS and 17 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2511871 · plan 501 · plan year 2024, filed Oct 7, 2025
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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
Health: the largest of the 12 insured health contracts, with HEALTH OPTIONS, covers 65 of 4,234 participants (1.5%) on Schedule A.
Dental: the largest of the 6 insured dental contracts, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 78 of 4,234 participants (1.8%) on Schedule A.
Vision: the largest of the 6 insured vision contracts, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 78 of 4,234 participants (1.8%) on Schedule A.
Life: the largest of the 5 insured life contracts, with MCS LIFE INSURANCE COMPANY, covers 103 of 4,234 participants (2.4%) on Schedule A.
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 27 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $8,823,615, with $549,325 in disclosed broker commissions — about 6.2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 20 of the 27 contracts; the rest name a different broker or none.
18 carriers appear on the filing, including HEALTH OPTIONS, HAWAII MEDICAL SERVICE ASSOCIATION, SELECTHEALTH and MCS LIFE INSURANCE COMPANY. HEALTH OPTIONS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 4,446 | Jan 1, 2025 | $714,061 | $71,406 |
| HEALTH OPTIONS | Health | 65 | Jan 1, 2025 | $1,159,133 | $69,548 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 1,419 | Jan 1, 2025 | $346,729 | $63,611 |
| MCS LIFE INSURANCE COMPANY | Health, Dental, Vision, Life | 103 | Jan 1, 2025 | $803,010 | $46,750 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 939 | Jan 1, 2025 | $430,237 | $43,024 |
| HARTFORD LIFE AND ACCIDENT | Disability | 418 | Jan 1, 2025 | $175,745 | $35,149 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 709 | Jan 1, 2025 | $189,485 | $34,791 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 1,236 | Jan 1, 2025 | $159,699 | $29,279 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 6 | Jan 1, 2025 | $270,466 | $27,047 |
| SELECTHEALTH | Health | 73 | Jan 1, 2025 | $950,863 | $21,870 |
| BLUE CARE NETWORK OF MICHIGAN | Health, Vision | 170 | Jan 1, 2025 | $774,383 | $21,753 |
| TRIPLE-S VIDA, INC. | Life, Disability | 111 | Jan 1, 2025 | $78,929 | $15,853 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | 11 | Jan 1, 2025 | $232,716 | $13,963 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 3,045 | Jan 1, 2025 | $82,851 | $12,428 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 126 | Jan 1, 2025 | $96,249 | $9,385 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 2,601 | Jan 1, 2025 | $325,745 | $8,144 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 21 | Jan 1, 2025 | $22,532 | $6,156 |
| CHLIC ON BEHALF OF METLIFE | Health | 6 | Jan 1, 2025 | — | $5,993 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 13 | Jan 1, 2025 | $127,855 | $5,462 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 642 | Jan 1, 2025 | $120,636 | $4,406 |
| SAFEGUARD HEALTH PLANS, INC. | Health, Dental | 37 | Jan 1, 2025 | $7,072 | $1,071 |
| HUMANA INSURANCE COMPANY | Vision | 65 | Jan 1, 2025 | $10,217 | $1,021 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 120 | Jan 1, 2025 | $36,133 | $903 |
| VISION SERVICE PLAN | Vision | 40 | Jun 1, 2024 | $3,124 | $312 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision | 78 | Jan 1, 2025 | $1,090,862 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 4,950 | Jan 1, 2025 | $614,883 | $0 |
| BLUE CROSS AND BLUE SHIELD OF KANSAS | Health | 0 | Jan 1, 2025 | — | $0 |
Premium and claims on these contracts
HEALTH OPTIONS, contract B3855. For the contract year on this filing, the carrier reported $1,159,133 in premium earned and $917,106 in claims incurred. Dividing one by the other gives 79%.
MCS LIFE INSURANCE COMPANY, contract 791792. For the contract year on this filing, the carrier reported $803,010 in premium earned and $763,814 in claims incurred. Dividing one by the other gives 95%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract B3855. For the contract year on this filing, the carrier reported $232,716 in premium earned and $187,244 in claims incurred. Dividing one by the other gives 80%.
- HEALTH OPTIONS, contract B3855 reported $242,027 in retention.
- MCS LIFE INSURANCE COMPANY, contract 791792 reported $160,602 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract B3855 reported $45,472 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.
Reported to OSHA
Reported to OSHA for 2025: 3,920 employees, 84 recordable cases, 882 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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