Form 5500 · Employee benefit plan · FRAMINGHAM, MA
DOUGLAS A THOM CLINIC, INC. DBA THOM CHILD AND FAMILY SERVICES
The filing calls this plan DOUGLAS A THOM CLINIC, INC. OMNIBUS BENEFIT PLAN.
Public Form 5500 records show how DOUGLAS A THOM CLINIC, INC. DBA THOM CHILD AND FAMILY SERVICES of FRAMINGHAM, MA, a health care and social assistance employer, structures its employee benefits. Its broker of record is BROWN & BROWN INSURNCCE SERVICES. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 1 other carrier. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2104268 · plan 503 · plan year 2025, filed Jul 1, 2026
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105 other employer plans in Massachusetts have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 430 people.
Reported premium across the insured contracts is $4,601,448, with $86,337 in disclosed broker commissions — about 1.9% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
BROWN & BROWN INSURNCCE SERVICES is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and HARTFORD LIFE AND ACCIDENT.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health | 430 | Apr 1, 2025 | $4,129,377 | $70,334 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 493 | Jan 1, 2026 | $212,812 | $8,514 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Dental | 511 | Apr 1, 2025 | $259,259 | $7,489 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4953467. For the contract year on this filing, the carrier reported $4,129,377 in premium earned and $3,810,379 in claims incurred. Dividing one by the other gives 92%.
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4953467. For the contract year on this filing, the carrier reported $259,259 in premium earned and $213,347 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4953467 reported $318,997 in retention.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4953467 reported $45,912 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
105 other employer plans in Massachusetts are April 1 renewals (policy year ends March).
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