Form 5500 · Employee benefit plan · ALBANY, NY
THE RESEARCH FOUNDATION FOR SUNY
The filing calls this plan HEALTH INSURANCE FOR REGULAR EMPLOYEES.
THE RESEARCH FOUNDATION FOR SUNY of ALBANY, NY is a 4,224-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Coverage is written through CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 14-1368361 · plan 501 · plan year 2024, filed Oct 10, 2025
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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.
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
All 4 insured contracts are health coverage, split across CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC., INDEPENDENT HEALTH and EMPIRE HEALTHCHOICE ASSURANCE, INC. and others.
The filing declares health and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium is $26,142,446; the filing discloses no broker commission on these contracts.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual 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 |
|---|---|---|---|---|---|
| CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | Health | 494 | Jan 1, 2025 | $10,908,398 | $0 |
| INDEPENDENT HEALTH | Health | 359 | Jan 1, 2025 | $7,112,642 | $0 |
| EMPIRE HEALTHCHOICE ASSURANCE, INC. | Health | 3,181 | Jan 1, 2025 | $4,699,813 | $0 |
| MVP HEALTHCARE | Health | 310 | Jan 1, 2025 | $3,421,593 | $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.
Other plans filed by this employer
How this plan compares
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