Form 5500 · Employee benefit plan · ALBANY, NY
THE TRUSTEES OF THE NYS AUTOMOBILE DEALERS, INC. GRP. INS. TRUST
The filing calls this plan NEW YORK STATE AUTOMOBILE DEALERS, INC. GRP. INS. TRUST.
THE TRUSTEES OF THE NYS AUTOMOBILE DEALERS, INC. GRP. INS. TRUST of ALBANY, NY is a 1,595-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is SNYADS INSURANCE AGENCY, INC.. Coverage is written through BLUESHIELD OF NORTHEASTERN 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 14-6021721 · plan 501 · plan year 2024, filed Oct 14, 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
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Health: BLUESHIELD OF NORTHEASTERN NEW YORK covers 27 of 1,595 participants (1.7%) on Schedule A.
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 5 insured contracts covering health, dental, vision and life.
The filing declares health, dental, vision, life 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 across the insured contracts is $390,986, with $35,412 in disclosed broker commissions — about 9.1% 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.
SNYADS INSURANCE AGENCY, INC. is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life | 1,717 | Jan 1, 2025 | $122,515 | $24,503 |
| BLUESHIELD OF NORTHEASTERN NEW YORK | Health | 27 | Jan 1, 2025 | $156,562 | $8,005 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision | 542 | Jan 1, 2025 | $60,249 | $2,904 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 1,188 | Jan 1, 2025 | $51,318 | $0 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 2 | Jan 1, 2025 | $342 | $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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Renewal calendar
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