Form 5500 · Employee benefit plan · NORWELL, MA
CLEAN HARBORS ENVIRONMENTAL SERVICES, INC.
The filing calls this plan CLEAN HARBORS ENVIRONMENTAL SRVCS INC CONSOLIDATED WELFARE BENEFIT PLAN.
CLEAN HARBORS ENVIRONMENTAL SERVICES, INC. of NORWELL, MA is a 18,237-participant utilities employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH AND BENEFITS ADMIN. Coverage is written through RELIASTAR LIFE INSURANCE COMPANY and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2698999 · plan 502 · plan year 2024, filed Aug 20, 2025
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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
Health: the largest of the 3 insured health contracts, with TRIPLE S SALUD, INC., covers 43 of 18,237 participants (0.2%) on Schedule A.
Dental: TRIPLE S SALUD, INC. covers 43 of 18,237 participants (0.2%) on Schedule A.
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 11 insured contracts covering health, dental, vision, life and disability; the largest, with RELIASTAR LIFE INSURANCE COMPANY, covers 25,844 people.
Reported premium across the insured contracts is $19,942,825, with $1,568,149 in disclosed broker commissions — about 7.9% 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.
MERCER HEALTH AND BENEFITS ADMIN is the broker of record on 2 of the 11 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including RELIASTAR LIFE INSURANCE COMPANY, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, VISION SERVICE PLAN and TRIPLE S SALUD, INC.. RELIASTAR LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Life | 25,844 | Jan 1, 2025 | $11,851,183 | $1,447,533 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 19,159 | Jan 1, 2025 | $3,912,327 | $90,196 |
| TRIPLE S SALUD, INC. | Health, Dental | 43 | Jan 1, 2025 | $342,824 | $17,141 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 17,705 | Jan 1, 2025 | $647,830 | $6,411 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Life | 473 | Jan 1, 2025 | $98,665 | $5,276 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 333 | Jan 1, 2025 | $141,142 | $1,287 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Health | 11 | Jan 1, 2025 | $4,032 | $290 |
| FIRST UNUM LIFE INSURANCE COMPANY | Life | 2 | Jan 1, 2025 | $570 | $15 |
| VISION SERVICE PLAN | Vision | 12,669 | Jan 1, 2025 | $2,651,715 | $0 |
| COMPSYCH CORPORATION | — | 19,487 | Jan 1, 2025 | $278,737 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 1 | Jan 1, 2025 | $13,800 | $0 |
Premium and claims on this contract
TRIPLE S SALUD, INC., contract SP0005357. For the contract year on this filing, the carrier reported $342,824 in premium earned and $247,978 in claims incurred. Dividing one by the other gives 72%.
- TRIPLE S SALUD, INC., contract SP0005357 reported $17,141 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: 3,414 employees, 22 recordable cases, 527 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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