Form 5500 · Employee benefit plan · CLIFTON SPRINGS, NY
G.W. LISK COMPANY, INC.
The filing calls this plan G.W. LISK COMPANY, INC. WELFARE BENEFITS PLAN.
Public Form 5500 records show how G.W. LISK COMPANY, INC. of CLIFTON SPRINGS, NY, a manufacturing employer, structures its employee benefits. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 3 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0771409 · plan 501 · plan year 2025, filed Aug 4, 2026
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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
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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits, 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 4 insured contracts covering health, vision, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 502 people.
The filing declares health, vision, life, disability and dental. Dental 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 the contract here that does not say what it covers.
Reported premium across the insured contracts is $6,698,235, with $180,633 in disclosed broker commissions — about 2.7% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 502 | Sep 1, 2025 | $6,360,347 | $141,909 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision, Life | 1,035 | Jan 1, 2026 | $228,975 | $38,152 |
| FEDERAL INSURANCE COMPANY | — | 636 | Jan 15, 2025 | $1,906 | $572 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Disability | 636 | Jan 1, 2026 | $107,007 | $0 |
Premium and claims on this contract
EXCELLUS BLUE CROSS BLUE SHIELD, contract 100031. For the contract year on this filing, the carrier reported $6,360,347 in premium earned and $5,257,121 in claims incurred. Dividing one by the other gives 83%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 100031 reported $985,333 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.
Reported to OSHA
Reported to OSHA for 2025: 610 employees, 5 recordable cases, 135 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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