Form 5500 · Employee benefit plan · SAINT JAMES, NY
COMPETITION IMPORTS
The filing calls this plan COMPETITION IMPORTS WELFARE BENEFIT PLAN.
Public Form 5500 records show how COMPETITION IMPORTS of SAINT JAMES, NY, a retail employer, structures its employee benefits. Its broker of record is PATRIOT GROWTH INSURANCE SERVICE. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-1997503 · plan 501 · plan year 2025, filed Mar 30, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
124 other employer plans in New York have policy years ending in August. 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 a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
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 3 insured contracts covering dental, life, disability and stop-loss; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 419 people.
The filing declares dental, life, health and vision. Health and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The 2 stop-loss contracts report $381,013 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 $863,850, with $34,389 in disclosed broker commissions — about 4% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Life, Disability | 419 | Sep 1, 2025 | $482,837 | $34,389 |
| NATIONWIDE LIFE INSURANCE COMPANY | Stop-loss | 265 | Mar 1, 2025 | $356,229 | $0 |
| AETNA LIFE INSURANCE COMPANY | Stop-loss | 265 | Mar 1, 2025 | $24,784 | $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.
Reported to OSHA
Reported to OSHA for 2025: 234 employees, 7 recordable cases, 145 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
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