Form 5500 · Employee benefit plan · LAKE SUCCESS, NY
BOARD OF TRUSTEES LOCAL 282
The filing calls this plan LOCAL 282 WELFARE TRUST FUND.
BOARD OF TRUSTEES LOCAL 282 of LAKE SUCCESS, NY is a 3,545-participant transportation and logistics employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is LABOR FIRST, LLC. Coverage is written through THE UNION LABOR LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-6244552 · plan 501 · plan year 2024, filed Oct 13, 2025
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3,536 other employer plans in New York 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
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.
Also declared: prepaid legal, death benefits, 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 5 insured contracts covering life and stop-loss; the largest, with THE UNION LABOR LIFE INSURANCE COMPANY, covers 2,795 people.
The filing declares life, health, dental, vision and disability. Health, dental, vision 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.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,535,316 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $4,733,079, with $77,543 in disclosed broker commissions — about 1.6% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD LIFE INS CO OF NY | Life | 2,426 | Jan 1, 2025 | $494,492 | $77,543 |
| THE UNION LABOR LIFE INSURANCE COMPANY | Stop-loss | 2,795 | Jun 1, 2024 | $1,535,316 | $0 |
| ANTHEM BLUE CROSS BLUE SHIELD | — | 1,170 | Jan 1, 2025 | $1,474,054 | $0 |
| MEDCO CONTAINMENT LIFE INSURANCE COMPANY | — | 1,153 | Jan 1, 2025 | $1,229,217 | $0 |
| EMPOWER ANNUITY INSURANCE COMPANY | Annuity / GIC | — | Jan 1, 2025 | $13,000,779 | $0 |
Premium and claims on this contract
STANDARD LIFE INS CO OF NY, contract 756303. For the contract year on this filing, the carrier reported $494,492 in premium earned and $192,175 in claims incurred. Dividing one by the other gives 39%.
- STANDARD LIFE INS CO OF NY, contract 756303 reported $302,317 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.
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