Form 5500 · Employee benefit plan · NEW YORK, NY
NEW YORK UNIVERSITY
The filing calls this plan NEW YORK UNIVERSITY HEALTH & WELFARE PLAN.
NEW YORK UNIVERSITY of NEW YORK, NY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through AETNA LIFE INSURANCE COMPANY and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-5562308 · plan 501 · plan year 2024, filed Sep 4, 2025
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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
Health: the largest of the 3 insured health contracts, with AETNA LIFE INSURANCE COMPANY, covers 879 of 14,719 participants (6%) on Schedule A.
Dental: the largest of the 2 insured dental contracts, with AETNA LIFE INSURANCE COMPANY, covers 879 of 14,719 participants (6%) on Schedule A.
Also declared: prepaid legal, death benefits.
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 7 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $12,404,450, with $58,700 in disclosed broker commissions — about 0.5% 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.
WILLIS TOWERS WATSON US LLC is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and VISION SERVICE PLAN. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 879 | Jan 1, 2025 | $5,378,372 | $37,500 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | — | 14,664 | Feb 1, 2024 | $141,332 | $21,200 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 10,707 | Jan 1, 2025 | $3,566,855 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 11,728 | Jan 1, 2025 | $1,092,307 | $0 |
| VISION SERVICE PLAN | Vision | 7,732 | Jan 1, 2025 | $976,455 | $0 |
| AETNA INTERNATIONAL | Health, Dental | 200 | Jan 1, 2025 | $711,053 | $0 |
| UNITED BEHAVIORAL HEALTH DBA OPTUM | Health | 14,567 | Jan 1, 2025 | $538,076 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 30010223. For the contract year on this filing, the carrier reported $976,455 in premium earned and $825,383 in claims incurred. Dividing one by the other gives 85%.
- VISION SERVICE PLAN, contract 30010223 reported $117,175 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
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