Form 5500 · Employee benefit plan · CHESTNUT HILL, MA
CHESTNUT HILL REALTY
The filing calls this plan CHESTNUT HILL REALTY WELFARE BENEFIT PLAN.
Public Form 5500 records show how CHESTNUT HILL REALTY of CHESTNUT HILL, MA, a real estate employer, structures its employee benefits. Its broker of record is THE HILB GROUP OF NEW ENGLAND 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 March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2737440 · plan 501 · plan year 2025, filed Sep 29, 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: prepaid legal, 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 8 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 379 people.
Reported premium across the insured contracts is $3,844,367, with $68,260 in disclosed broker commissions — about 1.8% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
THE HILB GROUP OF NEW ENGLAND LLC is the broker of record on 7 of the 8 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., RELIANCE STANDARD LIFE INSURANCE COMPANY, HEADSPACE and EYEMED VISION CARE. 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 | 379 | Apr 1, 2025 | $3,425,221 | $47,565 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 219 | Oct 1, 2024 | $83,024 | $8,303 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Dental | 366 | Apr 1, 2025 | $223,143 | $5,592 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 217 | Oct 1, 2024 | $46,796 | $4,680 |
| EYEMED VISION CARE | Vision | 287 | Apr 1, 2025 | $22,148 | $2,043 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 34 | Oct 1, 2024 | $523 | $52 |
| METLIFE LEGAL PLANS | — | 1 | Apr 1, 2025 | $252 | $25 |
| HEADSPACE | — | 214 | Aug 1, 2024 | $43,260 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4026893. For the contract year on this filing, the carrier reported $3,425,221 in premium earned and $3,102,428 in claims incurred. Dividing one by the other gives 91%.
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4026893. For the contract year on this filing, the carrier reported $223,143 in premium earned and $215,803 in claims incurred. Dividing one by the other gives 97%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4026893 reported $322,793 in retention.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4026893 reported $7,340 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
How this plan compares
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