Form 5500 · Employee benefit plan · NIAGARA FALLS, NY
NYSARC, INC., CATTARAUGUS NIAGARA COUNTIES CHAPTER
The filing calls this plan NYSARC, INC., CATTARAUGUS NIAGARA COUNTIES CHAPTER HEALTH AND WELFARE BENEFITS PLAN.
Public Form 5500 records show how NYSARC, INC., CATTARAUGUS NIAGARA COUNTIES CHAPTER of NIAGARA FALLS, NY, a health care and social assistance employer, structures its employee benefits. Its broker of record is ROBERT G RELPH AGENCY INC.. Coverage is written through UNIVERA HEALTHCARE and 5 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0818293 · plan 502 · plan year 2025, filed Jul 21, 2026
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130 other employer plans in New York have policy years ending in February. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with UNIVERA HEALTHCARE, covers 128 people.
Reported premium across the insured contracts is $2,123,142, with $93,079 in disclosed broker commissions — about 4.4% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
ROBERT G RELPH AGENCY INC. is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including UNIVERA HEALTHCARE, GERBER LIFE INSURANCE COMPANY, LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK and SYMETRA LIFE INSURANCE COMPANY. UNIVERA HEALTHCARE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNIVERA HEALTHCARE | Health | 128 | Mar 1, 2025 | $1,923,753 | $76,732 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Disability | 85 | Jan 1, 2026 | $34,466 | $5,170 |
| GERBER LIFE INSURANCE COMPANY | Dental | 128 | Jan 1, 2026 | $80,190 | $3,784 |
| SYMETRA LIFE INSURANCE COMPANY | Life | 323 | Jan 1, 2026 | $31,674 | $3,167 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Life | 92 | Jan 1, 2026 | $15,436 | $2,315 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 63 | Mar 1, 2025 | $19,976 | $1,911 |
| EASTERN VISION SERVICE PLAN, INC | Vision | 114 | Jan 1, 2026 | $17,647 | $0 |
Premium and claims on these contracts
UNIVERA HEALTHCARE, contract 00130638. For the contract year on this filing, the carrier reported $1,923,753 in premium earned and $2,646,285 in claims incurred. Dividing one by the other gives 138%.
GERBER LIFE INSURANCE COMPANY, contract 001064. For the contract year on this filing, the carrier reported $80,190 in premium earned and $40,835 in claims incurred. Dividing one by the other gives 51%.
EASTERN VISION SERVICE PLAN, INC, contract 001064. For the contract year on this filing, the carrier reported $17,647 in premium earned and $5,032 in claims incurred. Dividing one by the other gives 29%.
- UNIVERA HEALTHCARE, contract 00130638 reported $298,757 in retention.
- GERBER LIFE INSURANCE COMPANY, contract 001064 reported $3,784 in retention.
- EASTERN VISION SERVICE PLAN, INC, contract 001064 reported $0 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.
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Renewal calendar
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