Form 5500 · Employee benefit plan · ALBANY, NY
CAPITAL REGION ORTHOPAEDIC ASSOCIATES, PC
The filing calls this plan CAPITAL REGION ORTHOPAEDICS ASSOCIATES PC BENEFITS PLAN.
Public Form 5500 records show how CAPITAL REGION ORTHOPAEDIC ASSOCIATES, PC of ALBANY, NY, a health care and social assistance employer, structures its employee benefits. Its broker of record is ONEGROUP NY INC. Coverage is written through HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 14-1633562 · plan 501 · plan year 2025, filed Jul 28, 2026
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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.
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 health, dental, vision, life and disability; the largest, with HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC., covers 359 people.
Reported premium across the insured contracts is $3,661,089, with $134,253 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.
ONEGROUP NY INC is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC., THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, HARTFORD LIFE AND ACCIDENT and SHELTERPOINT LIFE INSURANCE COMPANY. HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | Health | 359 | Jan 1, 2026 | $3,168,897 | $84,975 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life | 279 | Jan 1, 2026 | $273,784 | $26,338 |
| HARTFORD LIFE AND ACCIDENT | Disability | 91 | Jan 1, 2026 | $102,214 | $9,412 |
| AFLAC | — | 36 | Jan 1, 2026 | $48,593 | $8,219 |
| SHELTERPOINT LIFE INSURANCE COMPANY | — | 287 | Jan 1, 2026 | $67,601 | $5,309 |
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
How this plan compares
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