Form 5500 · Employee benefit plan · PAOLI, PA
ZEUS FIRE AND SECURITY LLC
The filing calls this plan ZEUS FIRE AND SECURITY LLC EMPLOYEE HEALTH AND WELFARE BENEFITS PLAN.
ZEUS FIRE AND SECURITY LLC of PAOLI, PA is a 503-participant administrative and support services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KISTLER TIFFANY BENEFITS GEN AGENCY. Coverage is written through INDEPENDENCE BLUE CROSS and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-3948330 · plan 501 · plan year 2025, filed Jun 1, 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
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: 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 9 insured contracts covering health, dental, vision, life and disability; the largest, with INDEPENDENCE BLUE CROSS, covers 503 people.
Reported premium across the insured contracts is $7,256,283, with $271,771 in disclosed broker commissions — about 3.7% 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.
KISTLER TIFFANY BENEFITS GEN AGENCY is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including INDEPENDENCE BLUE CROSS, HAWAII MEDICAL SERVICE ASSOCIATION, KAISER FOUNDATION HEALTH PLAN, INC. and ANTHEM BLUE CROSS BLUE SHIELD. INDEPENDENCE BLUE CROSS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| INDEPENDENCE BLUE CROSS | Health | 503 | Jan 1, 2026 | $3,586,071 | $121,491 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 132 | Jan 1, 2026 | $1,101,216 | $37,540 |
| ANTHEM BLUE CROSS BLUE SHIELD | Health | 50 | Jan 1, 2026 | $570,033 | $36,725 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 586 | Jan 1, 2026 | $282,693 | $33,207 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 94 | Jan 1, 2026 | $700,716 | $24,283 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 819 | Jan 1, 2026 | $284,344 | $14,845 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 43 | Jan 1, 2026 | $10,961 | $1,994 |
| VISION SERVICE PLAN | Vision | 422 | Jan 1, 2026 | $39,111 | $1,686 |
| INDEPENDENCE BLUE CROSS | Health | 304 | Jan 1, 2026 | $681,138 | $0 |
Premium and claims on these contracts
INDEPENDENCE BLUE CROSS, contract 0002771180. For the contract year on this filing, the carrier reported $3,586,071 in premium earned and $1,839,436 in claims incurred. Dividing one by the other gives 51%.
INDEPENDENCE BLUE CROSS, contract 0002771180. For the contract year on this filing, the carrier reported $681,138 in premium earned and $451,803 in claims incurred. Dividing one by the other gives 66%.
- INDEPENDENCE BLUE CROSS, contract 0002771180 reported $352,837 in retention.
- INDEPENDENCE BLUE CROSS, contract 0002771180 reported $29,886 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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