United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic
Updated Filing received by DOL
United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic, a healthcare & social assistance employer in Utica, New York, reported 1,095 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 7 insurance contracts with no premium reported and $56,134 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from Excellus Bluecross Blueshield). The Department of Labor received the filing on July 16, 2026, before the deadline.
Who was paid on United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Gilroy Kernan & Gilroy Inc · New Hartford, NY | $51,556 | $4,241 | $55,797 | 4 |
| Adirondack Financial Services · Utica, NY | $337 | $0 | $337 | 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 |
|---|---|---|---|---|
| Excellus Bluecross Blueshieldstop-loss, PPO | 611 | — | $12,253 | — |
| Delta Dental of New Yorkdental | 1,062 | — | — | — |
| Metropolitan Life Insurance Companycoverage not coded | 53 | — | $5,038 | — |
| Employee Network, Inc.coverage not coded | — | — | — | — |
| Metropolitan Life Insurance Companylife, long-term disability | 1,279 | — | $12,441 | — |
| Davis Visionvision | 1,076 | — | — | — |
| Guardianshort-term disability, indemnity | 469 | — | $26,402 | — |
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 United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic 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 | 597 | 1,095 | +83.4% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $30,268 | $56,134 | +85.5% |
| 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 |
|---|---|---|---|---|
| United Cerebral Palsy and Handicapped Persons Association of the Utica Area Inc Employee Choice Plan#505 · insurance | December 31, 2025 | July 16, 2026 | before deadline | 1,095 |
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 United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic pay in health insurance broker commissions in 2025?
United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic's 2025 Form 5500 reports $56,134 in broker commissions and fees across 7 insurance contracts ($51,893 in commissions, $4,241 in fees), with Gilroy Kernan & Gilroy Inc receiving the largest share.
Is United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic's health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from Excellus Bluecross Blueshield).
How does United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for United Cerebral Palsy & Handicapped Pers Utica Area Inc Employee Choic 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.
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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.