Form 5500 · Employee benefit plan · ROCHESTER, NY
M/E ENGINEERING, P.C. WELFARE BENEFIT PL
The filing calls this plan M/E ENGINEERING, P.C. WELFARE BENEFIT PLAN.
M/E ENGINEERING, P.C. WELFARE BENEFIT PL of ROCHESTER, NY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BROWN & BROWN INS SVCS INC - EMPIRE. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-3253106 · plan 501 · plan year 2024, filed Sep 9, 2025
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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.
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, dental, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 128 people.
Reported premium across the insured contracts is $2,244,436, with $92,079 in disclosed broker commissions — about 4.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
BROWN & BROWN INS SVCS INC - EMPIRE is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Two carriers split the book: EXCELLUS BLUE CROSS BLUE SHIELD and LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 128 | Jan 1, 2025 | $2,020,582 | $80,649 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Dental | 130 | Jan 1, 2025 | $114,428 | $4,226 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Disability | 162 | Jan 2, 2024 | $40,078 | $4,004 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Life | 162 | Jan 2, 2024 | $69,348 | $3,200 |
Premium and claims on this contract
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00100384. For the contract year on this filing, the carrier reported $2,020,582 in premium earned and $1,436,749 in claims incurred. Dividing one by the other gives 71%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00100384 reported $253,658 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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