Form 5500 · Employee benefit plan · SOUDERTON, PA
SOLAR ATMOSPHERES, INC.
The filing calls this plan SOLAR ATMOSPHERES, INC. WELFARE BENEFIT PLAN.
SOLAR ATMOSPHERES, INC. of SOUDERTON, PA is a 347-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is EMERSON ROGERS, LLC. Coverage is written through HIGHMARK (MED AND DRUG) and 10 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2363698 · plan 501 · plan year 2025, filed Jul 21, 2026
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166 other employer plans in Pennsylvania have policy years ending in November. 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 11 insured contracts covering health, dental, vision, life and disability; the largest, with HIGHMARK (MED AND DRUG), covers 413 people.
Reported premium across the insured contracts is $5,946,151, with $203,944 in disclosed broker commissions — about 3.4% of premium.
The health contract's policy period ended in November, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
EMERSON ROGERS, LLC is the broker of record on 6 of the 11 contracts; the rest name a different broker or none.
11 carriers appear on the filing, including HIGHMARK (MED AND DRUG), INDEPENDENCE BLUE CROSS (PPO & DRUG), INDEPENDENCE BLUE CROSS - KEYSTONE and UNITED OF OMAHA LIFE INSURANCE COMPANY (STDI). HIGHMARK (MED AND DRUG) writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS (PPO & DRUG) | Health | 234 | Dec 1, 2025 | $1,916,698 | $75,212 |
| HIGHMARK (MED AND DRUG) | Health | 413 | Apr 1, 2025 | $2,525,697 | $48,862 |
| INDEPENDENCE BLUE CROSS - KEYSTONE | Health | 108 | Dec 1, 2025 | $737,479 | $30,150 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY (STDI) | Disability | 349 | Dec 1, 2025 | $181,322 | $18,132 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 412 | Apr 1, 2025 | $131,538 | $13,924 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 349 | Dec 1, 2025 | $172,979 | $5,980 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY (LTDI) | Disability | 349 | Dec 1, 2025 | $92,466 | $5,062 |
| INDEPENDENCE BLUE CROSS | Vision | 340 | Dec 1, 2025 | $19,526 | $4,225 |
| FEDERAL INSURANCE COMPANY (CHUBB) | Life, Disability | — | Jul 1, 2025 | $5,819 | $2,036 |
| AETNA LIFE INSURANCE COMPANY | Dental | 350 | Dec 1, 2025 | $142,983 | $361 |
| HIGHMARK INC. | Vision | 400 | Apr 1, 2025 | $19,644 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS (PPO & DRUG), contract 0000076151. For the contract year on this filing, the carrier reported $1,916,698 in premium earned and $1,385,414 in claims incurred. Dividing one by the other gives 72%.
INDEPENDENCE BLUE CROSS - KEYSTONE, contract 0000076151. For the contract year on this filing, the carrier reported $737,479 in premium earned and $503,568 in claims incurred. Dividing one by the other gives 68%.
- INDEPENDENCE BLUE CROSS (PPO & DRUG), contract 0000076151 reported $177,591 in retention.
- INDEPENDENCE BLUE CROSS - KEYSTONE, contract 0000076151 reported $74,300 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: 104 employees, 4 recordable cases, 88 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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