Form 5500 · Employee benefit plan · GENEVA, NY
LEGAL ASSISTANCE OF WESTERN NEW YORK, INC.
The filing calls this plan WELFARE BENEFIT PLAN OF LEGAL ASSISTANCE OF WESTERN NEW YORK, INC.
LEGAL ASSISTANCE OF WESTERN NEW YORK, INC. of GENEVA, NY is a 175-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BROWN & BROWN INS SVCS INC - NY. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0955954 · plan 501 · plan year 2025, filed Jul 19, 2026
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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: 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
Schedule A lists 8 insured contracts covering health, dental, vision, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 158 people.
Reported premium across the insured contracts is $2,096,299, with $80,110 in disclosed broker commissions — about 3.8% 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.
BROWN & BROWN INS SVCS INC - NY is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including EXCELLUS BLUE CROSS BLUE SHIELD, NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK, VISION SERVICE PLAN and EMPLOYEE NETWORK, INC.. EXCELLUS BLUE CROSS BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 158 | Jan 1, 2026 | $1,891,784 | $62,893 |
| EXCELLUS BLUE CROSS BLUE SHIELD | Dental | 171 | Jan 1, 2026 | $111,349 | $7,522 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Life | 186 | Jan 1, 2026 | $25,756 | $3,979 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 186 | Jan 1, 2026 | $36,605 | $3,830 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | Disability | 186 | Jan 1, 2026 | $13,505 | $1,350 |
| VISION SERVICE PLAN | Vision | 78 | Jan 1, 2026 | $13,997 | $362 |
| NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | 186 | Jan 1, 2026 | $1,449 | $174 |
| EMPLOYEE NETWORK, INC. | — | 150 | Jan 1, 2026 | $1,854 | $0 |
Premium and claims on these contracts
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00100543. For the contract year on this filing, the carrier reported $1,891,784 in premium earned and $3,184,046 in claims incurred. Dividing one by the other gives 168%.
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00055471. For the contract year on this filing, the carrier reported $111,349 in premium earned and $88,600 in claims incurred. Dividing one by the other gives 80%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00100543 reported $298,582 in retention.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00055471 reported $26,616 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
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