Form 5500 · Employee benefit plan · LEXINGTON, MA
ELIOT COMMUNITY HUMAN SERVICES, INC.
The filing calls this plan ELIOT COMMUNITY HUMAN SERVICES, INC. HEALTH AND WELFARE PLAN.
ELIOT COMMUNITY HUMAN SERVICES, INC. of LEXINGTON, MA is a 971-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MARSH & MCLENNAN AGENCY LLC (NE). Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 1 other carrier. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2316924 · plan 501 · plan year 2025, filed Jan 26, 2026
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278 other employer plans in Massachusetts have policy years ending in June. 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
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 2 insured contracts covering health and vision; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 1,764 people.
The filing declares health, vision and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $20,469,099, with $227,929 in disclosed broker commissions — about 1.1% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC (NE) is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health | 1,764 | Jul 1, 2025 | $20,402,901 | $221,886 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 959 | Jul 1, 2025 | $66,198 | $6,043 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4956133. For the contract year on this filing, the carrier reported $20,402,901 in premium earned and $18,943,289 in claims incurred. Dividing one by the other gives 93%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4956133 reported $1,459,612 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
278 other employer plans in Massachusetts are July 1 renewals (policy year ends June).
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