Form 5500 · Employee benefit plan · PHILADELPHIA, PA
WES CORPORATION
The filing calls this plan WES HEALTH SYSTEM.
WES CORPORATION of PHILADELPHIA, PA is a 530-participant health care and social assistance 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 - KEYSTONE and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-3048845 · plan 501 · plan year 2024, filed Oct 16, 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
Dental: UNITED CONCORDIA DENTAL PLAN OF PHILADELPHIA, INC covers 44 of 530 participants (8.3%) on Schedule A.
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.
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 7 insured contracts covering health, dental, life and disability.
Reported premium across the insured contracts is $1,580,925, with $106,158 in disclosed broker commissions — about 6.7% 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 3 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including INDEPENDENCE BLUE CROSS - KEYSTONE, INDEPENDENCE BLUE CROSS - PPO, METROPOLITAN LIFE INSURANCE COMPANY and INDEPENDENCE BLUE CROSS - DRUG. INDEPENDENCE BLUE CROSS - KEYSTONE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS - KEYSTONE | Health | — | Jan 1, 2025 | $1,252,980 | $67,310 |
| INDEPENDENCE BLUE CROSS - PPO | — | 20 | Jan 1, 2025 | $163,416 | $18,144 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 153 | Jan 1, 2025 | $128,240 | $11,017 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 38 | Jan 1, 2025 | — | $4,755 |
| UNITED CONCORDIA DENTAL PLAN OF PHILADELPHIA, INC | Dental | 44 | Jan 1, 2025 | $11,430 | $3,229 |
| INDEPENDENCE BLUE CROSS - DRUG | — | 20 | Jan 1, 2025 | $24,172 | $1,490 |
| INDEPENDENCE BLUE CROSS | — | 20 | Jan 1, 2025 | $687 | $213 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS - KEYSTONE, contract 0000072316. For the contract year on this filing, the carrier reported $1,252,980 in premium earned and $1,436,157 in claims incurred. Dividing one by the other gives 115%.
INDEPENDENCE BLUE CROSS - PPO, contract 0000072316. For the contract year on this filing, the carrier reported $163,416 in premium earned and $117,188 in claims incurred. Dividing one by the other gives 72%.
- INDEPENDENCE BLUE CROSS - KEYSTONE, contract 0000072316 reported $123,834 in retention.
- INDEPENDENCE BLUE CROSS - PPO, contract 0000072316 reported $19,940 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
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