Form 5500 · Employee benefit plan · NEW YORK, NY
WSP USA BUILDINGS INC.
The filing calls this plan WSP USA INC. INSURANCE PLAN.
WSP USA BUILDINGS INC. of NEW YORK, NY is a 14,100-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-1730785 · plan 508 · plan year 2025, filed Sep 9, 2026
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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.
Benefits declared on this filing
Health: the largest of the 4 insured health contracts, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 55 of 14,100 participants (0.4%) on Schedule A.
Also declared: prepaid legal, death benefits, 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.
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 15 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 20,955 people.
Reported premium across the insured contracts is $24,377,166, with $499,593 in disclosed broker commissions — about 2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 7 of the 15 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, PRUDENTIAL INSURANCE COMPANY OF AMERICA, VISION SERVICE PLAN and METLIFE LEGAL PLANS. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | — | 5,476 | Jan 1, 2026 | $1,683,626 | $167,121 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 8,830 | Jan 1, 2026 | $731,004 | $77,013 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 15,849 | Jan 1, 2026 | $5,823,285 | $73,796 |
| VISION SERVICE PLAN | Vision | 9,301 | Jan 1, 2026 | $1,413,017 | $70,583 |
| METLIFE LEGAL PLANS | — | 2,193 | Jan 1, 2026 | $454,377 | $44,941 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 122 | Apr 1, 2025 | $275,590 | $33,837 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 1,572 | Jan 1, 2026 | $963,743 | $27,279 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 40 | Jan 1, 2026 | $204,194 | $5,023 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 20,955 | Jan 1, 2026 | $8,834,689 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 17,271 | Jan 1, 2026 | $3,213,937 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 55 | Jan 1, 2026 | $396,735 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 28 | Jan 1, 2026 | $182,110 | $0 |
| ALLONE HEALTH | — | 14,419 | Jan 1, 2026 | $145,344 | $0 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 1 | Jan 1, 2026 | $55,515 | $0 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 15,696 | 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. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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