Form 5500 · Employee benefit plan · FAIRPORT, NY
VILLAGER CONSTRUCTION, INC.
The filing calls this plan VILLAGER CONSTRUCTION, INC. HEALTH INSURANCE PLAN.
VILLAGER CONSTRUCTION, INC. of FAIRPORT, NY insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BROWN & BROWN INS SVCS - NEW YORK. Coverage is written through EXCELLUS BLUE CROSS BLUE SHIELD and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 16-1146699 · plan 502 · plan year 2025, filed Jul 10, 2026
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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: 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with EXCELLUS BLUE CROSS BLUE SHIELD, covers 128 people.
Reported premium across the insured contracts is $1,710,318, with $75,001 in disclosed broker commissions — about 4.4% 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.
BROWN & BROWN INS SVCS - NEW YORK is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including EXCELLUS BLUE CROSS BLUE SHIELD, METROPOLITAN LIFE INSURANCE COMPANY, LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK and VISION SERVICE PLAN. 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 | 128 | Jan 1, 2026 | $1,549,961 | $61,267 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 188 | Jan 1, 2026 | $64,675 | $5,899 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Disability | 238 | Jan 1, 2026 | $59,441 | $4,594 |
| LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | Life | 238 | Jan 1, 2026 | $27,870 | $2,404 |
| VISION SERVICE PLAN | Vision | 87 | Jan 1, 2026 | $8,371 | $837 |
Premium and claims on this contract
EXCELLUS BLUE CROSS BLUE SHIELD, contract 00009803. For the contract year on this filing, the carrier reported $1,549,961 in premium earned and $1,705,162 in claims incurred. Dividing one by the other gives 110%.
- EXCELLUS BLUE CROSS BLUE SHIELD, contract 00009803 reported $242,855 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.
Reported to OSHA
Reported to OSHA for 2025: 189 employees, 13 recordable cases, 264 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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