Form 5500 · Employee benefit plan · FRAMINGHAM, MA
ADVOCATES, INC.
The filing calls this plan ADVOCATES, INC. FLEXIBLE BENEFITS PLAN.
ADVOCATES, INC. of FRAMINGHAM, MA spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. and 5 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-7451423 · plan 501 · plan year 2025, filed Sep 12, 2025
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105 other employer plans in Massachusetts have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, vision, life and disability; the largest, with TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC., covers 1,862 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $16,297,100, with $218,288 in disclosed broker commissions — about 1.3% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. | Health | 1,862 | Apr 1, 2025 | $15,312,239 | $162,325 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 169 | Jan 1, 2025 | $174,390 | $38,591 |
| STANDARD INSURANCE COMPANY | Life, Disability | 2,025 | Apr 1, 2025 | $578,672 | $14,142 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 1,276 | Apr 1, 2025 | $85,465 | $2,746 |
| TUFTS INSURANCE COMPANY | Health | 6 | Apr 1, 2025 | $85,830 | $484 |
| KATHLEEN GREER AND ASSOCIATES | — | 1,566 | Apr 1, 2025 | $60,504 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 760416. For the contract year on this filing, the carrier reported $578,672 in premium earned and $13,104 in claims incurred. Dividing one by the other gives 2%.
- STANDARD INSURANCE COMPANY, contract 760416 reported $568,948 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
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