Stewart’s is often seen as a large company, we are really 400 small businesses each with a great deal of control. This makes our jobs more enjoyable and helps maintain our success. We like to say “We make money the old fashioned way, we earn it.” Here are several more reasons we enjoy working at Stewart’s.

Employee Stock Ownership Plan (ESOP)

  • Stewart’s employees own one third of the company through our “Sharing Profit” Plan
  • We believe that sharing ownership creates involvement for a stronger, more profitable company
  • The Plan is 100% company paid and provides long term financial security for retirement
  • You’re automatically enrolled if you’re 19 or over, after 500 hours/quarter or 1,000 hours/year
  • Your balance should equal a year’s pay after 5-6 years
  • You’re partially vested after two years and fully vested after six years

Health Insurance

Stewart’s recognizes the importance of health care for our partners and their families. This is why we created our own self-insured health plan. Offering a self-insured health plan gives us the control to keep our health coverage both flexible and affordable. After 60 days of employment, we offer health insurance to partners who are full time; working an average of 30 hours per week or more.

  • Stewart’s Self Insured Health Plan (BlueShield of Northeastern NY)

Dental Insurance

After 60 days of employment, we offer Delta Dental insurance to employees who average more than 30 hours per week.

Vision Benefit

  • Eye Exam
  • Frames and Lenses or
  • Contact Lenses

Paid Vacation

Employees who average at least 25 hours per week are eligible for paid vacation time after one year of service.

Death Benefit Plan

Stewart’s provides a death benefit for all active, full time employees (averaging 35 hours or more per week) with at least two consecutive years of service at 1,820 hours/year. There is no cost to employees for this plan, and it helps provide for the care and peace of mind of our dependents.

Years of Service

Death benefit while employed by Stewart’s







Stewart’s Federal Credit Union

The Stewart’s Federal Credit Union offers FREE checking with direct deposit, savings accounts, great rates on loans of all types, ATM and VISA debit cards, and 5 FREE ATM withdrawals a month at any of our Stewart’s owned ATMs. Members also have 24/7 access to their accounts through an automated phone service, text banking or on-line banking with FREE Bill Pay. You are eligible upon employment with a $10 deposit. For more information, you can go to


Because we care about the health of our employees and their families, Stewart’s will pay 50% of a profit-sharing plan participant’s YMCA membership and activities fees. This includes any expenses for YMCA daycare up to the maximum allowed by law.

Make Your Own Scholarship Program

This program provides scholarships to employees’ immediate family members who attend an accredited educational institution. To qualify, employees must have worked for the company a minimum of 3 years and be an active ESOP participant. Employees are not eligible for this benefit. This program started in 1999 by Philly Dake and has provided nearly 900 scholarships totaling over $4.4 million to students in the Stewart’s family. The Scholarship Selection Committee has awarded $360,000 to 89 students in the Stewart's family for the 2017-2018 academic year.

Employee Matching Gift

Stewart’s will match employee donations to local non-profit organizations which fit our contribution guidelines if it is a charity that we are not currently supporting substantially. 

Medical Reimbursement Account

Pay for predictable medical/dental expenses not covered by insurance with pre-tax dollars. Employees can choose to have a weekly deduction from their paycheck (taken out before taxes) which is set aside in an account to pay for doctor co-pays, prescription co-pays and other medical expenses throughout the year.

Stewart’s Condo

Take a break and enjoy an inexpensive getaway. The company has a condo in Lake Placid, which is available by reservation for employees with at least one year of service.