Form 5500 · Employee benefit plan · SAUGERTIES, NY
TOWER PRODUCTS INCORPORATED
The filing calls this plan TOWER PRODUCTS, INC. HEALTH PLAN.
TOWER PRODUCTS INCORPORATED of SAUGERTIES, NY insures dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is UPSTATE AGENCY LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 14-1659003 · plan 501 · plan year 2025, filed Jan 21, 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
Also declared: 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.
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 2 insured contracts covering dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 315 people.
The filing declares dental, life, disability and health. Health 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 $164,100, with $8,066 in disclosed broker commissions — about 4.9% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
UPSTATE AGENCY LLC is the broker of record on all 2 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 315 | Jul 1, 2025 | $162,003 | $7,983 |
| ANTHEM BLUE CROSS AND BLUE SHIELD | Vision | 144 | Jul 1, 2025 | $2,097 | $83 |
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
How this plan compares
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