Form 5500 · Employee benefit plan · SOUTH DENNIS, MA
ELDER SERVICES OF CAPE COD AND THE ISLANDS, INC.
The filing calls this plan ELDER SERVICES OF CAPE COD HEALTH AND WELFARE PLAN.
Public Form 5500 records show how ELDER SERVICES OF CAPE COD AND THE ISLANDS, INC. of SOUTH DENNIS, MA, a health care and social assistance employer, structures its employee benefits. Its broker of record is APEX BENEFITS PARTNERS, INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2523904 · plan 501 · plan year 2025, filed Jan 13, 2026
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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: 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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 168 people.
Reported premium across the insured contracts is $1,500,017, with $61,345 in disclosed broker commissions — about 4.1% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in October. The plan is on a split renewal cycle.
APEX BENEFITS PARTNERS, INC. is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., HARTFORD LIFE AND ACCIDENT, HUMANA INSURANCE COMPANY and ALLONE HEALTH EAP, LLC. 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, Dental | 168 | Jul 1, 2025 | $1,373,707 | $48,029 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 147 | Nov 1, 2024 | $67,726 | $7,118 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 152 | Jul 1, 2025 | $48,300 | $5,428 |
| HUMANA INSURANCE COMPANY | Vision | 69 | Jul 1, 2025 | $7,704 | $770 |
| ALLONE HEALTH EAP, LLC | — | 150 | Jul 1, 2025 | $2,580 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4955028. For the contract year on this filing, the carrier reported $1,373,707 in premium earned and $897,989 in claims incurred. Dividing one by the other gives 65%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4955028 reported $475,717 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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