Nysarc, Rensselear County Chapter
Updated Filing received by DOL
Nysarc, Rensselear County Chapter, a healthcare & social assistance employer in Troy, New York, reported 350 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 7 insurance contracts with no premium reported and $257,719 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 24, 2026, before the deadline.
Who was paid on Nysarc, Rensselear County Chapter's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Nysarc, Rensselear County Chapter filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Robert G Relph Agency, Inc · Rochester, NY | $234,989 | $767 | $235,756 | 6 |
| NFP · East Greenbush, NY | $13,640 | $132 | $13,772 | 6 |
| Alera Group, Inc. | $0 | $4,925 | $4,925 | 2 |
| HP Planning LLC dba Alera Northeast · Norwalk, CT | $2,011 | $0 | $2,011 | 1 |
| DBL General Agency an Alera Group · Melville, NY | $0 | $1,255 | $1,255 | 1 |
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 |
|---|---|---|---|---|
| Esi Employee Assistance Groupcoverage not coded | 389 | — | $521 | — |
| The Guardian Life Insurance Company of Americadental, vision | 182 | — | $7,965 | — |
| Sun Life and Health Insurance Company (u.S.)life | 352 | — | $5,215 | — |
| Metropolitan Life Insurance Companycoverage not coded | 154 | — | $1,190 | — |
| Capital District Physician's Health Plan Inc.health, prescription drug | 211 | — | $240,282 | — |
| Metropolitan Life Insurance Companycoverage not coded | 154 | — | $1,485 | — |
| Metropolitan Life Insurance Companyvision | 222 | — | $1,061 | — |
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 Nysarc, Rensselear County Chapter 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 | 351 | 350 | −0.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $68,543 | $257,719 | +276.0% |
| 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 |
|---|---|---|---|---|
| Nysarc, Rensselear County Chapter Health and Welfare Benefits Plan#504 · insurance, general assets | December 31, 2025 | July 24, 2026 | before deadline | 350 |
| Nysarc, Rensselaer County Chapter Section 105(h) Deductible Share Health Reimbursement Arrangement#510 · general assets | December 31, 2025 | July 24, 2026 | before deadline | 200 |
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 Nysarc, Rensselear County Chapter pay in health insurance broker commissions in 2025?
Nysarc, Rensselear County Chapter's 2025 Form 5500 reports $257,719 in broker commissions and fees across 7 insurance contracts ($250,640 in commissions, $7,079 in fees), with Robert G Relph Agency, Inc receiving the largest share.
Is Nysarc, Rensselear County Chapter'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 Nysarc, Rensselear County Chapter's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Nysarc, Rensselear County Chapter because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.