Form 5500 · Employee benefit plan · PHILADELPHIA, PA
SPARK THERAPEUTICS, INC.
The filing calls this plan SPARK THERAPEUTICS, INC. HEALTH AND WELFARE PLAN.
SPARK THERAPEUTICS, INC. of PHILADELPHIA, PA is a 875-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is FLEXIBLE BENEFIT PLANS, LLC. Coverage is written through INDEPENDENCE BLUE CROSS and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-2654405 · plan 501 · plan year 2025, filed Aug 30, 2026
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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
Vision: the largest of the 2 insured vision contracts, with FIDELITY SECURITY LIFE INSURANCE COMPANY, covers 77 of 875 participants (8.8%) on Schedule A.
Life: LIFE INSURANCE COMPANY OF NORTH AMERICA covers 49 of 875 participants (5.6%) on Schedule A.
Disability: LIFE INSURANCE COMPANY OF NORTH AMERICA covers 31 of 875 participants (3.5%) on Schedule A.
Also declared: prepaid legal, 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with INDEPENDENCE BLUE CROSS, covers 378 people.
Reported premium across the insured contracts is $8,847,671, with $204,909 in disclosed broker commissions — about 2.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
FLEXIBLE BENEFIT PLANS, LLC is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, METROPOLITAN LIFE INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA and FIDELITY SECURITY LIFE INSURANCE COMPANY. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 378 | Jan 1, 2026 | $5,663,682 | $176,552 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 31 | Jan 1, 2026 | $140,970 | $10,567 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 77 | Jan 1, 2026 | $62,439 | $7,116 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 49 | Jan 1, 2026 | $171,978 | $4,849 |
| METLIFE LEGAL PLANS | — | 18 | Jan 1, 2026 | $25,725 | $2,573 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 0 | Sep 1, 2025 | $6,701 | $1,340 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 161 | Jan 1, 2026 | $9,925 | $1,160 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 40 | Jan 1, 2026 | $31,900 | $752 |
| INDEPENDENCE BLUE CROSS | Health | 378 | Jan 1, 2026 | $2,321,091 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 224 | Jan 1, 2026 | $413,260 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 0002120184. For the contract year on this filing, the carrier reported $5,663,682 in premium earned and $4,563,267 in claims incurred. Dividing one by the other gives 81%.
INDEPENDENCE BLUE CROSS, contract 0002120184. For the contract year on this filing, the carrier reported $2,321,091 in premium earned and $1,473,149 in claims incurred. Dividing one by the other gives 63%.
- INDEPENDENCE BLUE CROSS, contract 0002120184 reported $557,256 in retention.
- INDEPENDENCE BLUE CROSS, contract 0002120184 reported $55,421 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
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