Form 5500 · Employee benefit plan · WEST READING, PA
TOWER HEALTH
The filing calls this plan TOWER HEALTH AND WELFARE BENEFIT PLAN.
Public Form 5500 records show how TOWER HEALTH of WEST READING, PA, a health care and social assistance employer, structures its employee benefits. Its broker of record is ALLIANT INS SERVICES INC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2201344 · plan 501 · plan year 2025, filed May 29, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: 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 3 insured contracts covering health, dental and vision; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 14,817 people.
The filing declares health, dental, vision, life and disability. Life and disability appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $5,505,023, with $433,461 in disclosed broker commissions — about 7.9% 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.
ALLIANT INS SERVICES INC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 14,817 | Jan 1, 2026 | $4,669,487 | $350,803 |
| VISION BENEFITS OF AMERICA | Health, Vision | 6,763 | Jan 1, 2026 | $817,618 | $81,762 |
| VISION BENEFITS OF AMERICA | Vision | 1,675 | Jan 1, 2026 | $17,918 | $896 |
Premium and claims on these contracts
VISION BENEFITS OF AMERICA, contract 4443. For the contract year on this filing, the carrier reported $817,618 in premium earned and $580,714 in claims incurred. Dividing one by the other gives 71%.
VISION BENEFITS OF AMERICA, contract 3446. For the contract year on this filing, the carrier reported $17,918 in premium earned and $7,300 in claims incurred. Dividing one by the other gives 41%.
- VISION BENEFITS OF AMERICA, contract 4443 reported $236,904 in retention.
- VISION BENEFITS OF AMERICA, contract 3446 reported $10,618 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
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Renewal calendar
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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.
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