Form 5500 · Employee benefit plan · BUFFALO, NY
EHS, INC.
The filing calls this plan EVERGREEN HEALTH SERVICES WRAP PLAN.
Public Form 5500 records show how EHS, INC. of BUFFALO, NY, a health care and social assistance employer, structures its employee benefits. Its broker of record is GIS BENEFITS INC. Coverage is written through UNIVERA HEALTHCARE and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-1202971 · plan 506 · plan year 2025, filed Sep 2, 2026
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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.
Benefits declared on this filing
Also declared: death benefits.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with UNIVERA HEALTHCARE, covers 352 people.
Reported premium across the insured contracts is $6,292,195, with $68,702 in disclosed broker commissions — about 1.1% 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.
GIS BENEFITS INC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: UNIVERA HEALTHCARE and METROPOLITAN LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 871 | Jan 1, 2026 | $678,730 | $68,702 |
| UNIVERA HEALTHCARE | Health | 352 | Jan 1, 2026 | $5,613,465 | $0 |
Premium and claims on this contract
UNIVERA HEALTHCARE, contract 00130538. For the contract year on this filing, the carrier reported $5,613,465 in premium earned and $5,512,804 in claims incurred. Dividing one by the other gives 98%.
- UNIVERA HEALTHCARE, contract 00130538 reported $677,959 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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