Form 5500 · Employee benefit plan · HENRIETTA, NY
MONROE TRACTOR & IMPLEMENT CO., INC.
The filing calls this plan MONROE TRACTOR & IMPLEMENT CO., INC. BENEFIT BANK PLAN.
MONROE TRACTOR & IMPLEMENT CO., INC. of HENRIETTA, NY insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BROWN & BROWN INS SVCS INC - NY. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0850083 · plan 504 · plan year 2025, filed Aug 17, 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: 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 161 people.
Reported premium across the insured contracts is $2,096,947, with $89,082 in disclosed broker commissions — about 4.2% 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 1 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including EXCELLUS BLUE CROSS BLUE SHIELD, LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK, MUTUAL OF OMAHA INSURANCE COMPANY and COMPANION LIFE INSURANCE COMPANY. 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 | 161 | Jan 1, 2026 | $1,789,016 | $67,383 |
| MUTUAL OF OMAHA INSURANCE COMPANY | Disability | 296 | Jan 1, 2026 | $60,785 | $4,270 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 118 | Jan 1, 2026 | $28,258 | $4,239 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Dental | 182 | Jan 1, 2026 | $118,962 | $3,397 |
| COMPANION LIFE INSURANCE COMPANY | — | 89 | Jan 1, 2026 | $33,237 | $3,162 |
| MUTUAL OF OMAHA INSURANCE COMPANY | Disability | 296 | Jan 1, 2026 | $30,761 | $3,038 |
| VISION SERVICE PLAN | Vision | 169 | Jan 1, 2026 | $20,106 | $2,011 |
| COMPANION LIFE INSURANCE COMPANY | — | 296 | Jan 1, 2026 | $10,232 | $1,023 |
| MUTUAL OF OMAHA INSURANCE COMPANY | Life | 296 | Jan 1, 2026 | $3,411 | $341 |
| MUTUAL OF OMAHA INSURANCE COMPANY | — | 89 | Jan 1, 2026 | $2,179 | $218 |
Premium and claims on this contract
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00100294. For the contract year on this filing, the carrier reported $1,789,016 in premium earned and $1,921,423 in claims incurred. Dividing one by the other gives 107%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00100294 reported $318,420 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: 151 employees, 19 recordable cases, 123 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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