Form 5500 · Employee benefit plan · SYRACUSE, NY
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY
The filing calls this plan EQUITABLE GROUP LIFE INSURANCE PLAN.
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY of SYRACUSE, NY is a 9,822-participant finance and insurance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is AMERICAN BENEFITS. Coverage is written through EQUITABLE FINANCIAL LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-5570651 · plan 505 · plan year 2025, filed Aug 26, 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
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.
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
All 7 insured contracts are life coverage, split across EQUITABLE FINANCIAL LIFE INSURANCE COMPANY and SECURIAN LIFE INSURANCE COMPANY.
Reported premium is $10,872,837; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
AMERICAN BENEFITS is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
Two carriers split the book: EQUITABLE FINANCIAL LIFE INSURANCE COMPANY and SECURIAN LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Life | 1,122 | Jan 1, 2026 | $3,656,692 | $0 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Life | 604 | Jan 1, 2026 | $3,527,661 | $0 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Life | 7,623 | Jan 1, 2026 | $2,087,149 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 1,160 | Jan 1, 2026 | $1,051,413 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 503 | Jan 1, 2026 | $277,219 | $0 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Life | 78 | Jan 1, 2026 | $272,275 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 1 | Jan 1, 2026 | $428 | $0 |
Premium and claims on these contracts
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, contract 0027. For the contract year on this filing, the carrier reported $3,656,692 in premium earned and $3,655,817 in claims incurred. Dividing one by the other gives 100%.
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, contract 3790. For the contract year on this filing, the carrier reported $3,527,661 in premium earned and $3,526,007 in claims incurred. Dividing one by the other gives 100%.
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, contract 11500. For the contract year on this filing, the carrier reported $272,275 in premium earned and the same figure again in claims incurred.
- EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, contract 0027 reported $0 in retention.
- EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, contract 3790 reported $0 in retention.
- EQUITABLE FINANCIAL LIFE INSURANCE COMPANY, contract 11500 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.
Other plans filed by this employer
How this plan compares
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