Form 5500 · Employee benefit plan · EAST SYRACUSE, NY
UNITED RADIO, INC.
The filing calls this plan UNITED RADIO INC. FLEXIBLE BENEFITS PLAN.
UNITED RADIO, INC. of EAST SYRACUSE, NY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BROWN & BROWN EMPIRE STATE. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 2 other carriers. The plan's most recent policy period ended in September.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-0906884 · plan 501 · plan year 2025, filed Feb 24, 2026
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171 other employer plans in New York have policy years ending in September. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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: 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 4 insured contracts covering health, dental, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 299 people.
Reported premium across the insured contracts is $4,038,078, with $109,453 in disclosed broker commissions — about 2.7% of premium.
The health contract's policy period ended in September, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
BROWN & BROWN EMPIRE STATE is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including EXCELLUS BLUE CROSS BLUE SHIELD, HARTFORD LIFE AND ACCIDENT and METROPOLITAN LIFE INSURANCE COMPANY. EXCELLUS BLUE CROSS BLUE SHIELD writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD | Health | 299 | Oct 1, 2025 | $3,602,172 | $96,577 |
| EXCELLUS BLUE CROSS BLUE SHIELD | Dental | 259 | Oct 1, 2025 | $205,602 | $9,421 |
| METROPOLITAN LIFE INSURANCE COMPANY | Disability | 523 | Jan 1, 2025 | $108,906 | $3,455 |
| HARTFORD LIFE AND ACCIDENT | Life | 445 | Oct 1, 2025 | $121,398 | $0 |
Premium and claims on these contracts
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00112583. For the contract year on this filing, the carrier reported $3,602,172 in premium earned and $4,145,732 in claims incurred. Dividing one by the other gives 115%.
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00055249. For the contract year on this filing, the carrier reported $205,602 in premium earned and $156,491 in claims incurred. Dividing one by the other gives 76%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00112583 reported $635,229 in retention.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00055249 reported $46,484 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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
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