Is this benefit plan self-funded or fully-insured?

Fully-insured — on this filing, the benefits are provided through an insurance contract (the filer marked the insurance box and not the general-assets or trust boxes). An insurer bears the claims risk; the employer pays premiums. This is derived from the employer's own line-9b boxes on the Form 5500 and describes the whole filing, not the health benefit alone. Confirm via the plan's Summary Plan Description or the DOL EFAST filing.

How many participants does the plan cover?

270 total participants at the start of plan year 2023, per the filing.

Who administers the plan?

The plan administrator is the sponsor, GERMANTOWN ACADEMY.

GERMANTOWN ACADEMY LIFE AND DISABILITY PLAN

Name: GERMANTOWN ACADEMY — GERMANTOWN ACADEMY LIFE AND DISABILITY PLAN (Form 5500, 2023)
Creator: GERMANTOWN ACADEMY
Published: 2026-06-22T14:35:35.708114+00:00

GERMANTOWN ACADEMY

Fully-insured 270 participants · plan year 2023

Fully-insured — on this filing, the benefits are provided through an insurance contract (the filer marked the insurance box and not the general-assets or trust boxes). An insurer bears the claims risk; the employer pays premiums.

This describes the whole filing's benefit arrangement (Form 5500 line 9b); this filing does not report a standalone health benefit (code 4A) — see the benefit list below. To confirm how YOUR coverage is funded, read the plan's Summary Plan Description (SPD) or the original DOL EFAST filing.

What this means for you

A fully-insured benefit is backed by an insurance company, so your state's insurance law generally does apply on top of federal ERISA — your state insurance commissioner's complaint and external-review process is generally available to you if a claim is denied.

General information about how ERISA plan funding affects which rules apply — not legal advice. Your rights depend on your specific plan and benefit.

Sponsor (employer): GERMANTOWN ACADEMY
Sponsor EIN: 23-1352639
Plan number: 703
Total participants (BOY): 270
Plan administrator: GERMANTOWN ACADEMY (same as sponsor)
Location filed: FORT WASHINGTON, PA

Benefits reported on this filing

The Form 5500 welfare benefit codes (line 8b) the employer marked. A single filing commonly bundles several.

4B Life insurance
4H Long-term disability
4L Death benefits (other than life insurance)

What this is — and isn't

This page reproduces a recorded ERISA filing: what GERMANTOWN ACADEMY reported to the U.S. Department of Labor on Form 5500 for plan year 2023. The funding label is derived from the employer's own line-9b boxes. Every figure is shown as filed and may include filer data-entry errors (a participant count, for instance, can be implausibly large if mistyped); we reproduce the record rather than correct it. It is not a rating of the plan, not legal or benefits advice, and not a substitute for the plan's Summary Plan Description. For your specific coverage and current details, contact the plan administrator or read the SPD; to verify this record, search the original filing at DOL EFAST.

Structured facts: /plans/germantown-academy-germantown-academy-life-and-disability-plan-231352639-703.jsonld