Form 5500 · Employee benefit plan · WAYNE, PA
UNITED STATES LIABILITY INSURANCE COMPANY
The filing calls this plan USLI HEALTH AND WELFARE PLAN.
Public Form 5500 records show how UNITED STATES LIABILITY INSURANCE COMPANY of WAYNE, PA, a finance and insurance employer, structures its employee benefits. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through INDEPENDENCE BLUE CROSS and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-1383313 · plan 501 · plan year 2024, filed Jun 24, 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
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 10 insured contracts covering health, dental, vision, life and disability; the largest, with INDEPENDENCE BLUE CROSS, covers 2,857 people.
Reported premium across the insured contracts is $24,125,957, with $185,597 in disclosed broker commissions — about 0.8% 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.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 3 of the 10 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, UNITED CONCORDIA INSURANCE COMPANY and PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Health, Life, Disability | 1,263 | Jan 1, 2025 | $1,241,016 | $169,178 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 263 | Jan 1, 2025 | $78,723 | $7,189 |
| UNUM INSURANCE COMPANY | — | 231 | Jun 1, 2024 | $34,526 | $6,205 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | Disability | 103 | Jan 1, 2025 | $41,957 | $2,937 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | Life | 85 | Apr 1, 2024 | $46,146 | $88 |
| INDEPENDENCE BLUE CROSS | Health, Vision | 2,857 | Jun 1, 2024 | $21,810,659 | $0 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 2,639 | Jun 1, 2024 | $855,362 | $0 |
| CURALINC LLC | — | 1,200 | Jan 1, 2025 | $17,568 | $0 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | 1,263 | Nov 23, 2024 | — | $0 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | 1,263 | Feb 29, 2024 | — | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 828099. For the contract year on this filing, the carrier reported $21,810,659 in premium earned and $19,960,709 in claims incurred. Dividing one by the other gives 92%.
UNITED CONCORDIA INSURANCE COMPANY, contract 902031 ET AL. For the contract year on this filing, the carrier reported $855,362 in premium earned and $751,421 in claims incurred. Dividing one by the other gives 88%.
- INDEPENDENCE BLUE CROSS, contract 828099 reported $2,372,398 in retention.
- UNITED CONCORDIA INSURANCE COMPANY, contract 902031 ET AL reported $107,091 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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