Form 5500 · Employee benefit plan · WILLIAMSVILLE, NY
AMERICA'S FAMILY HEALTH & WELFARE FUND
The filing calls this plan AMERICA'S FAMILY WELFARE FUND.
Public Form 5500 records show how AMERICA'S FAMILY HEALTH & WELFARE FUND of WILLIAMSVILLE, NY, a other services employer, structures its employee benefits. Its broker of record is AP BENEFIT ADVISORS LLC. Coverage is written through HM LIFE INSURANCE COMPANY OF NEW YORK and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0840561 · plan 501 · plan year 2024, filed Oct 15, 2025
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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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 6 insured contracts covering health, dental, life and stop-loss; the largest, with HM LIFE INSURANCE COMPANY OF NEW YORK, covers 298 people.
The filing declares health, dental, life and disability. Disability appears 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 the contract here that does not say what it covers.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium is $775,326; the filing discloses no broker commission on these contracts.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HM LIFE INSURANCE COMPANY OF NEW YORK | Stop-loss | 298 | Jan 1, 2025 | $545,896 | $0 |
| INDEPENDENT HEALTH BENEFITS CORPORATION | — | 292 | Jan 1, 2025 | $180,259 | $0 |
| HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | Health | 52 | Jan 1, 2025 | $38,715 | $0 |
| HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | Health | 8 | Jan 1, 2025 | $10,456 | $0 |
| HARTFORD LIFE AND ACCIDENT | Life | — | Sep 1, 2024 | — | $0 |
| HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | Health, Dental | — | Jan 1, 2025 | — | $0 |
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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