Form 5500 · Employee benefit plan · SARATOGA SPRINGS, NY
SARATOGA HARNESS RACING INC
The filing calls this plan THE HARTFORD - STD.
Public Form 5500 records show how SARATOGA HARNESS RACING INC of SARATOGA SPRINGS, NY, a arts, entertainment and recreation employer, structures its employee benefits. Its broker of record is NFP PROPERTY & CASUALTY SVCS INC. Coverage is written through HARTFORD LIFE AND ACCIDENT. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 14-1688208 · plan 525 · plan year 2025, filed Jul 17, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
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.
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
The filing discloses a single insured line, disability, through HARTFORD LIFE AND ACCIDENT, covering 21 people.
Reported premium across the insured contracts is $18,088, with $1,608 in disclosed broker commissions — about 8.9% 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.
At 22 participants this is a small group; Form 5500 is required once a welfare plan reaches 100 participants, or when it is funded through insurance contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Disability | 21 | Jan 1, 2026 | $18,088 | $1,608 |
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: 469 employees, 15 recordable cases, 310 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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