Form 5500 · Employee benefit plan · MOUNT LAUREL, NJ
WEST VIRGINIA PIPE TRADES HEALTH AND WELFARE FUND
WEST VIRGINIA PIPE TRADES HEALTH AND WELFARE FUND of MOUNT LAUREL, NJ spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Coverage is written through THP INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 55-6030152 · plan 501 · plan year 2025, filed Feb 25, 2026
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How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 4 insured contracts covering health and vision; the largest, with THP INSURANCE COMPANY, covers 488 people.
The filing declares health, vision, dental, life and disability. Dental, life and disability appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium is $639,202; the filing discloses no broker commission on these contracts.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THP INSURANCE COMPANY | — | 488 | Jun 1, 2025 | $473,609 | $0 |
| THE HEALTH PLAN - SECURE CARE | Health | 74 | Jun 1, 2025 | $124,598 | $0 |
| VISION BENEFITS OF AMERICA | Vision | 403 | Jun 1, 2025 | $38,583 | $0 |
| CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 380 | Jun 1, 2025 | $2,412 | $0 |
Premium and claims on this contract
VISION BENEFITS OF AMERICA, contract 2764/2728. For the contract year on this filing, the carrier reported $38,583 in premium earned and $22,608 in claims incurred. Dividing one by the other gives 59%.
- VISION BENEFITS OF AMERICA, contract 2764/2728 reported $15,975 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
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