Form 5500 · Employee benefit plan · UTICA, NY
UNITED CEREBRAL PALSY & HANDICAPPED PERS UTICA AREA INC EMPLOYEE CHOIC
The filing calls this plan UNITED CEREBRAL PALSY AND HANDICAPPED PERSONS ASSOCIATION OF THE UTICA AREA INC EMPLOYEE CHOICE PLAN.
UNITED CEREBRAL PALSY & HANDICAPPED PERS UTICA AREA INC EMPLOYEE CHOIC of UTICA, NY spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GILROY KERNAN & GILROY INC. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 15-0543657 · plan 505 · plan year 2025, filed Jul 16, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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 a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
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 7 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 611 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $984,545, with $51,893 in disclosed broker commissions — about 5.3% 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.
GILROY KERNAN & GILROY INC is the broker of record on 4 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Health, Disability | 469 | Jan 1, 2026 | $294,302 | $22,161 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 1,279 | Jan 1, 2026 | $192,440 | $12,441 |
| EXCELLUS BLUE CROSS BLUE SHIELD | Health, Stop-loss | 611 | Jan 1, 2026 | $405,727 | $12,253 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 53 | Jan 1, 2026 | $39,023 | $5,038 |
| DAVIS VISION | Vision | 1,076 | Jan 1, 2026 | $34,046 | $0 |
| EMPLOYEE NETWORK, INC. | — | — | Jan 1, 2026 | $19,007 | $0 |
| DELTA DENTAL OF NEW YORK | Dental | 1,062 | Jan 1, 2026 | — | $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
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 1,651 employees, 128 recordable cases, 2,671 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in New York. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
3,536 other employer plans in New York are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in New York — largest plans, brokers, carriers and renewal months.