Form 5500 · Employee benefit plan · NEW YORK, NY
NFL LEAGUE OFFICE
The filing calls this plan NFL EMPLOYEE RECIPROCAL FLEXIBLE BENEFITS PLAN.
NFL LEAGUE OFFICE of NEW YORK, NY spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Coverage is written through RELIASTAR LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-1922622 · plan 511 · plan year 2025, filed Jan 13, 2026
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How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
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.
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, disability and stop-loss; the largest, with RELIASTAR LIFE INSURANCE COMPANY, covers 2,749 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium is $2,555,010; the filing discloses no broker commission on these contracts.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in October. The plan is on a split renewal cycle.
No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Stop-loss | 2,749 | Apr 1, 2025 | $1,254,094 | $0 |
| HARTFORD LIFE AND ACCIDENT | Life | 872 | Nov 1, 2024 | $330,409 | $0 |
| VISION SERVICE PLAN | Vision | 2,028 | Apr 1, 2025 | $240,891 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 872 | Apr 1, 2025 | $237,633 | $0 |
| HARTFORD LIFE AND ACCIDENT | Disability | 828 | Nov 1, 2024 | $187,742 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 828 | Apr 1, 2025 | $132,590 | $0 |
| HARTFORD LIFE AND ACCIDENT | Life | 828 | Nov 1, 2024 | $68,229 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 828 | Apr 1, 2025 | $44,572 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 2,749 | Apr 1, 2025 | $31,269 | $0 |
| HARTFORD FIRE INSURANCE COMPANY | — | 832 | Apr 1, 2025 | $27,581 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12213969. For the contract year on this filing, the carrier reported $240,891 in premium earned and $183,570 in claims incurred. Dividing one by the other gives 76%.
- VISION SERVICE PLAN, contract 12213969 reported $31,316 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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