Fulton Schoharie Counties Chapters of Nysarc, Inc.
Updated Filing received by DOL
Fulton Schoharie Counties Chapters of Nysarc, Inc., a healthcare & social assistance employer in Gloversville, New York, reported 1,326 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $48,865 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 28, 2026, before the deadline.
Who was paid on Fulton Schoharie Counties Chapters of Nysarc, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Fulton Schoharie Counties Chapters of Nysarc, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| NFP | $47,677 | $1,188 | $48,865 | 8 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Capital District Physician's Health Plan Inc.health, prescription drug | 1,522 | — | — | — |
| The Guardian Life Insurance Company of Americavision | 732 | — | $1,188 | — |
| Employee Assistance Group (esi)coverage not coded | 1,748 | — | — | — |
| United Concierge Medicinecoverage not coded | 2,947 | — | — | — |
| First Reliance Standard Life Insurance Companylife | 1,184 | — | $4,444 | — |
| First Reliance Standard Life Insurance Companycoverage not coded | 265 | — | $5,155 | — |
| First Reliance Standard Life Insurance Companycoverage not coded | 308 | — | $1,046 | — |
| First Reliance Standard Life Insurance Companycoverage not coded | 210 | — | $7,158 | — |
| First Reliance Standard Life Insurance Companycoverage not coded | 148 | — | $4,171 | — |
| First Reliance Standard Life Insurance Companylong-term disability | 217 | — | $9,414 | — |
| First Reliance Standard Life Insurance Companyshort-term disability | 202 | — | $16,289 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Fulton Schoharie Counties Chapters of Nysarc, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 1,698 | 1,326 | −21.9% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $79,728 | $48,865 | −38.7% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Lexington Center Welfare Benefits Plan#507 · insurance, general assets | December 31, 2025 | July 28, 2026 | before deadline | 1,326 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Fulton Schoharie Counties Chapters of Nysarc, Inc. pay in health insurance broker commissions in 2025?
Fulton Schoharie Counties Chapters of Nysarc, Inc.'s 2025 Form 5500 reports $48,865 in broker commissions and fees across 11 insurance contracts ($47,677 in commissions, $1,188 in fees), with NFP receiving the largest share.
Is Fulton Schoharie Counties Chapters of Nysarc, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Capital District Physician's Health Plan Inc..
How does Fulton Schoharie Counties Chapters of Nysarc, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Fulton Schoharie Counties Chapters of Nysarc, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
Send the full findings to your inbox.
A specialist writes up every finding for Fulton Schoharie Counties Chapters of Nysarc, Inc. with the methodology and public-source citations, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.
Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.