Form 5500 · Employee benefit plan · PEABODY, MA
BERTOLINO FOODS, INC.
The filing calls this plan BERTOLINO FOODS BENEFIT PLAN.
Public Form 5500 records show how BERTOLINO FOODS, INC. of PEABODY, MA, a wholesale trade employer, structures its employee benefits. Its broker of record is HUB INTERNATIONAL NE LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 4 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3097088 · plan 501 · plan year 2025, filed Aug 20, 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.
The filing carries code 4S: this plan is filing again after previously being exempt.
Benefits declared on this filing
Also declared: prepaid legal, death benefits.
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 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 158 people.
Reported premium across the insured contracts is $1,369,127, with $45,500 in disclosed broker commissions — about 3.3% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL NE LLC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., DELTA DENTAL OF MASSACHUSETTS, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health | 158 | Mar 1, 2025 | $1,214,451 | $33,125 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 72 | Mar 1, 2025 | $59,127 | $8,537 |
| DELTA DENTAL OF MASSACHUSETTS | Dental | 152 | Mar 1, 2025 | $83,676 | $2,742 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 77 | Mar 1, 2025 | $7,599 | $654 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 24 | Mar 1, 2025 | $4,274 | $442 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 41343. For the contract year on this filing, the carrier reported $1,214,451 in premium earned and $906,173 in claims incurred. Dividing one by the other gives 75%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 41343 reported $308,278 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.
Reported to OSHA
Reported to OSHA for 2025: 178 employees, 13 recordable cases, 32 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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