Form 5500 · Employee benefit plan · PHILADELPHIA, PA
THE REINVESTMENT FUND
The filing calls this plan THE REINVESTMENT FUND - MEDICAL PLAN.
THE REINVESTMENT FUND of PHILADELPHIA, PA is a 101-participant employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is EMERSON ROGERS, LLC. Coverage is written through INDEPENDENCE BLUE CROSS and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2331946 · plan 502 · plan year 2023, filed Jul 27, 2025
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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
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
All 2 insured contracts are health coverage, split across INDEPENDENCE BLUE CROSS and INDEPENDENCE BLUE CROSS - KEYSTONE.
Reported premium across the insured contracts is $1,894,146, with $59,011 in disclosed broker commissions — about 3.1% 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.
EMERSON ROGERS, LLC is the broker of record on all 2 contracts.
Two carriers split the book: INDEPENDENCE BLUE CROSS and INDEPENDENCE BLUE CROSS - KEYSTONE.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 185 | Jan 1, 2024 | $1,452,851 | $43,971 |
| INDEPENDENCE BLUE CROSS - KEYSTONE | Health | 57 | Jan 1, 2024 | $441,295 | $15,040 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 0000523238. For the contract year on this filing, the carrier reported $1,452,851 in premium earned and $2,668,193 in claims incurred. Dividing one by the other gives 184%.
INDEPENDENCE BLUE CROSS - KEYSTONE, contract 0000523238. For the contract year on this filing, the carrier reported $441,295 in premium earned and $130,398 in claims incurred. Dividing one by the other gives 30%.
- INDEPENDENCE BLUE CROSS, contract 0000523238 reported $166,960 in retention.
- INDEPENDENCE BLUE CROSS - KEYSTONE, contract 0000523238 reported $41,719 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.
Other plans filed by this employer
How this plan compares
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