Form 5500 · Employee benefit plan · FRAMINGHAM, MA
CCL INDUSTRIES CORPORATION
The filing calls this plan CCL INDUSTRIES CORPORATION GROUP HEALTH PLAN.
CCL INDUSTRIES CORPORATION of FRAMINGHAM, MA is a 4,795-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is THE HILB GROUP OF NEW ENGLAND. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 93-0883780 · plan 501 · plan year 2025, filed Jul 23, 2026
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1,456 other employer plans in Massachusetts have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Dental: the largest of the 2 insured dental contracts, with MCS LIFE INSURANCE COMPANY, covers 173 of 4,795 participants (3.6%) on Schedule A.
Also declared: 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 7 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $7,048,184, with $354,687 in disclosed broker commissions — about 5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
THE HILB GROUP OF NEW ENGLAND is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, MCS LIFE INSURANCE COMPANY and HARTFORD LIFE AND ACCIDENT. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life | 4,532 | Jan 1, 2026 | $1,674,673 | $171,062 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 495 | Jan 1, 2026 | $3,085,128 | $87,610 |
| MCS LIFE INSURANCE COMPANY | Health, Dental, Life | 173 | Jan 1, 2026 | $957,349 | $47,389 |
| HARTFORD LIFE AND ACCIDENT | Disability | 4,398 | Jan 1, 2026 | $856,357 | $42,818 |
| DELTA DENTAL OF PUERTO RICO, INC. | Dental | 178 | Jan 1, 2026 | $58,081 | $5,808 |
| VISION SERVICE PLAN | Vision | 3,058 | Jan 1, 2026 | $305,601 | $0 |
| COMPSYCH CORPORATION | — | 4,372 | Jan 1, 2026 | $110,995 | $0 |
Premium and claims on this contract
MCS LIFE INSURANCE COMPANY, contract 791641. For the contract year on this filing, the carrier reported $957,349 in premium earned and $653,350 in claims incurred. Dividing one by the other gives 68%.
- MCS LIFE INSURANCE COMPANY, contract 791641 reported $143,603 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.
How this plan compares
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Renewal calendar
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