Form 5500 · Employee benefit plan · NEW YORK, NY
OML, INC
The filing calls this plan OML, INC. WELFARE BENEFIT PLAN.
OML, INC of NEW YORK, NY spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is HUB INTERNATIONAL NORTHEAST LIMITED. Coverage is written through AETNA LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 37-1759037 · plan 502 · plan year 2025, filed Jan 16, 2026
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124 other employer plans in New York have policy years ending in August. 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: 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 750 people.
Reported premium across the insured contracts is $6,888,710, with $253,919 in disclosed broker commissions — about 3.7% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL NORTHEAST LIMITED is the broker of record on 2 of the 8 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, DELTA DENTAL OF NEW YORK, STANDARD LIFE INS CO OF NY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY. 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 | 750 | Sep 1, 2025 | $5,981,557 | $197,279 |
| DELTA DENTAL OF NEW YORK | Dental | 666 | Sep 1, 2025 | $361,098 | $18,022 |
| STANDARD LIFE INS CO OF NY | — | 297 | Sep 1, 2025 | $50,340 | $14,544 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | Vision | 613 | Sep 1, 2025 | $61,553 | $6,142 |
| STANDARD LIFE INS CO OF NY | Disability | 466 | Sep 1, 2025 | $209,083 | $5,090 |
| STANDARD LIFE INS CO OF NY | Disability | 466 | Sep 1, 2025 | $67,491 | $4,678 |
| STANDARD LIFE INS CO OF NY | Life | 464 | Sep 1, 2025 | $126,278 | $4,433 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Health | 116 | Sep 1, 2025 | $31,310 | $3,731 |
Premium and claims on these contracts
STANDARD LIFE INS CO OF NY, contract 762063. For the contract year on this filing, the carrier reported $179,004 in premium earned and $208,051 in claims incurred. Dividing one by the other gives 116%.
STANDARD LIFE INS CO OF NY, contract 762063. For the contract year on this filing, the carrier reported $108,865 in premium earned and $195,544 in claims incurred. Dividing one by the other gives 180%.
- STANDARD LIFE INS CO OF NY, contract 762063 reported $78,565 in retention.
- STANDARD LIFE INS CO OF NY, contract 762063 reported $27,637 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
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