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Sponsor portfolioWelfare / HealthEIN 16-1213679
COMMUNITY FINANCIAL SYSTEM, INC.
333 BUTTERNUT DRIVE · SYRACUSE, NY 132141850
3154457334
- Plans filed
- 5
- Years active
- 2015–2025
- Industry
- NAICS 52
- Latest filing
- 2025
Total premiums (latest)
$4.0M
No prior year
Persons covered
3,071
No prior year
Total participants
3,142
No prior year
Plans filed
5
No prior year
Plans under this sponsor
5 plans
Plan #505$4.0M
COMMUNITY FINANCIAL SYSTEM, INC. HEALTH AND WELFARE BENEFITS PLAN
Mixed3,071 covered·2 carriers
Primary: FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY
Plan #501$468K
MERCHANTS BANK GROUP MEDICAL PLAN
Mixed117 covered·1 carrier
Primary: EASTERN BENEFITS GROUP
Plan #506$23K
MERCHANTS BANK VISION
Fully insured138 covered·1 carrier
Primary: VSP
Plan #503$0
MERCHANTS BANK DENTAL INSURANCE
Self-funded0 covered·0 carriers
Plan #550$0
FLEXIBLE SPENDING ACCOUNT AND DEPENDENT CARE ASSISTANCE PROGRAM PLAN
Unknown0 covered·0 carriers
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Short-term disability | $2.8M | 35.2% | |
| Long-term disability | $2.7M | 34.2% | |
| Life | $1.2M | 15.3% | |
| Other | $1.2M | 15.3% |
Carrier overview
2 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 133176850 | STDLTD | $2.8M | 69.8% | 1 | 2 | 2,607 |
EIN 060838648 | LOth | $1.2M | 30.2% | 1 | 1 | 3,071 |
Broker overview
4 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC | WALL, NJ | HARTFORD LIFE AND ACCIDENT, FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $139K | $71K | $210K | 82.0% | 1 |
| NATIONAL BENEFIT CENTER | BEACHWOOD, OH | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $26K | $26K | 10.2% | 1 |
| ONEGROUP NY INC | SYRACUSE, NY | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 7.6% | 1 |
| BENEFIT ADVISORS NETWORK LLC | SOLON, OH | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $777 | $777 | 0.3% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan