New York Central Mutual Fire Insurance Company
Overview
New York Central Mutual Fire Insurance Company sponsors a self-funded health plan that covered 919 participants in plan year 2025, up 6% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports dental, vision.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 919 · prior year 866
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Health Benefit Plan for Employees of Nycm Insurance, plan 501 (919 participants)
- Stop-loss carrier
- Excellus Bluecross Blueshield
- Broker compensation
- $91K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Guardian | Dental | 757 | $560K | $10K |
| Excellus Blue Cross Blue Shield | Medical, Prescription drug | 138 | $420K | $20K |
| Excellus Bluecross Blueshield | Stop-loss | 895 | $398K | $27K |
| The Guardian Life Insurance Company of America | Vision | 827 | $98K | $34K |
| Employee Services, LLC (ESI Employee Assistance Group) | Employee Assistance Program (EAP) | 919 | $23K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 919 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- New York Central Mutual Fire Insurance Company
- Sponsor EIN
- 15-0398170
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 15-0398170 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- New York Central Mutual Fire Insurance Company Retirement Income Plan
- Type
- Pension plan
- Participants
- 1,127
About this data
Source: New York Central Mutual Fire Insurance Company's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with New York Central Mutual Fire Insurance Company.