Form 5500 · Employee benefit plan · KINGSTON, NY
CENTER FOR SPECTRUM SERVICES
CENTER FOR SPECTRUM SERVICES of KINGSTON, NY is a 115-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is NFP CORPORATE SERVICES (NY) LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 14-1604884 · plan 501 · plan year 2025, filed Jul 22, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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.
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 10 insured contracts covering health, dental, vision and disability.
The filing declares health, dental, vision, disability and life. Life 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 one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $36,458, with $70,978 in disclosed broker commissions — about 195% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in October. The plan is on a split renewal cycle.
NFP CORPORATE SERVICES (NY) LLC is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MVP HEALTHCARE | Health | 87 | Jan 1, 2026 | — | $53,917 |
| DELTA DENTAL | Dental | 95 | Jan 1, 2026 | — | $5,433 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision | 135 | Jan 1, 2026 | — | $4,562 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 19 | Jan 1, 2026 | $8,953 | $1,856 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 19 | Jan 1, 2026 | $8,953 | $1,856 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 90 | Jan 1, 2026 | $7,251 | $1,452 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 39 | Jan 1, 2026 | $8,407 | $1,278 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 31 | Jan 1, 2026 | $2,894 | $624 |
| FABRIC TELEMEDICINE | — | 1 | Jan 1, 2026 | — | $0 |
| UCM TELEMEDICINE | — | 3 | Nov 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. We publish company names only.
Other plans filed by this employer
How this plan compares
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