Form 5500 · Employee benefit plan · ALBANY, NY
THE BUSINESS COUNCIL OF NEW YORK STATE, INC. INSURANCE FUND
THE BUSINESS COUNCIL OF NEW YORK STATE, INC. INSURANCE FUND of ALBANY, NY insures dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is NFP CORPORATE SERVICES. Coverage is written through AMERITAS LIFE INSURANCE CORP. OF NEW YORK and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 14-6034807 · plan 501 · plan year 2024, filed Aug 26, 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
Self-funded as reported
The filing reports money held and paid out by the plan itself, and no medical insurance contract on Schedule A.
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
Vision: AMERITAS LIFE INSURANCE CORP. OF NEW YORK covers 7,319 of 157,596 participants (4.6%) on Schedule A.
Also declared: 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 9 insured contracts covering dental, vision, life and disability.
Reported premium across the insured contracts is $37,473,056, with $2,922,989 in disclosed broker commissions — about 7.8% 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.
NFP CORPORATE SERVICES is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including AMERITAS LIFE INSURANCE CORP. OF NEW YORK, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY and HARTFORD LIFE AND ACCIDENT. AMERITAS LIFE INSURANCE CORP. OF NEW YORK writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Life | 60,592 | Jan 1, 2025 | $9,850,242 | $736,237 |
| AMERITAS LIFE INSURANCE CORP. OF NEW YORK | Dental | 16,521 | Jan 1, 2025 | $10,460,369 | $644,753 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Disability | 23,439 | Jan 1, 2025 | $4,819,961 | $495,132 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | 9,928 | Jan 1, 2025 | $3,114,450 | $353,122 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | 20,957 | Jan 1, 2025 | $3,722,938 | $264,555 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Disability | 10,304 | Jan 1, 2025 | $2,217,264 | $247,506 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | Disability | 20,957 | Jan 1, 2025 | $1,917,136 | $108,271 |
| AMERITAS LIFE INSURANCE CORP. OF NEW YORK | Vision | 7,319 | Jan 1, 2025 | $779,496 | $73,413 |
| HARTFORD LIFE AND ACCIDENT | Disability | 2,122 | Jan 1, 2025 | $591,200 | $0 |
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
Named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
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