Form 5500 · Employee benefit plan · NEW YORK, NY
BOARD OF TRUSTEES OF THE MLB LWIP
The filing calls this plan MAJOR LEAGUE BASEBALL LEAGUE-WIDE INSURANCE PLAN.
BOARD OF TRUSTEES OF THE MLB LWIP of NEW YORK, NY insures health, dental and vision coverage for its employees, per Schedule A of its Form 5500. Its broker of record is JOHN SCOTTI. Coverage is written through HIGHMARK BCBS and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-6217877 · plan 501 · plan year 2024, filed Oct 15, 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
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Vision: the largest of the 2 insured vision contracts, with HIGHMARK BCBS, covers 188 of 9,027 participants (2.1%) on Schedule A.
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 and vision; the largest, with HIGHMARK BCBS, covers 24,230 people.
Reported premium across the insured contracts is $143,168,740, with $5,844,840 in disclosed broker commissions — about 4.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
JOHN SCOTTI is the broker of record on 3 of the 9 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HIGHMARK BCBS, METROPOLITAN LIFE INSURANCE COMPANY, UNITED CONCORDIA INSURANCE COMPANY and HHIC. HIGHMARK BCBS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HIGHMARK BCBS | Health | 24,230 | Jan 1, 2025 | $126,835,936 | $5,070,993 |
| HIGHMARK BCBS | Health | 3,291 | Jan 1, 2025 | $12,578,132 | $559,749 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 4,946 | Jan 1, 2025 | $3,156,968 | $188,826 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 480 | Jan 1, 2025 | $208,869 | $20,124 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 293 | Jan 1, 2025 | $93,228 | $4,072 |
| HIGHMARK BCBS | Vision | 108 | Jan 1, 2025 | $9,367 | $690 |
| HHIC | Health | 0 | Jan 1, 2025 | $7,722 | $386 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 457 | Apr 1, 2024 | $268,701 | $0 |
| HIGHMARK BCBS | Vision | 188 | Jan 1, 2025 | $9,817 | $0 |
Premium and claims on these contracts
HIGHMARK BCBS, contract 390. For the contract year on this filing, the carrier reported $126,835,936 in premium earned and $113,217,715 in claims incurred. Dividing one by the other gives 89%.
HIGHMARK BCBS, contract 440. For the contract year on this filing, the carrier reported $12,578,132 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HIGHMARK BCBS, contract 0440. For the contract year on this filing, the carrier reported $9,367 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HHIC, contract 0627. For the contract year on this filing, the carrier reported $7,722 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
HIGHMARK BCBS, contract 0390. For the contract year on this filing, the carrier reported $9,817 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- HIGHMARK BCBS, contract 390 reported $14,249,583 in retention.
- HIGHMARK BCBS, contract 440 reported $559,749 in retention.
- HIGHMARK BCBS, contract 0440 reported $690 in retention.
- HHIC, contract 0627 reported $386 in retention.
- HIGHMARK BCBS, contract 0390 reported $0 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.
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Renewal calendar
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