Form 5500 · Employee benefit plan · HOLLISTON, MA
ATLANTIC BEVERAGE DISTRIBUTORS
The filing calls this plan ATLANTIC BEVERAGE DISTRIBUTORS HEALTH & WELFARE PLAN.
ATLANTIC BEVERAGE DISTRIBUTORS of HOLLISTON, MA is a 129-participant wholesale trade employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is THE BALDWIN GROUP SOUTHEAST LLC. Coverage is written through HARVARD PILGRIM HEALTH CARE and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3255379 · plan 501 · plan year 2025, filed Nov 6, 2025
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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
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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with HARVARD PILGRIM HEALTH CARE, covers 164 people.
Reported premium across the insured contracts is $1,171,855, with $40,894 in disclosed broker commissions — about 3.5% of premium.
The health contract's policy period ended in May, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
THE BALDWIN GROUP SOUTHEAST LLC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including HARVARD PILGRIM HEALTH CARE, ALTUS DENTAL INSURANCE COMPANY, INC. and EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA. HARVARD PILGRIM HEALTH CARE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE | Health | 164 | Jun 1, 2025 | $1,055,753 | $31,656 |
| ALTUS DENTAL INSURANCE COMPANY, INC. | Dental, Vision | 162 | Jun 1, 2025 | $93,799 | $5,893 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 119 | Jan 1, 2025 | $22,303 | $3,345 |
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
How this plan compares
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