Form 5500 · Employee benefit plan · BURLINGTON, MA
FIRSTLIGHT POWER SERVICES LLC
The filing calls this plan FIRSTLIGHT POWER SERVICES LLC HEALTH AND WELFARE PLAN.
FIRSTLIGHT POWER SERVICES LLC of BURLINGTON, MA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is DIGITAL INSURANCE INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 90-1112269 · plan 501 · plan year 2025, filed Jul 23, 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.
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 354 people.
Reported premium across the insured contracts is $3,394,327, with $73,379 in disclosed broker commissions — about 2.2% 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.
DIGITAL INSURANCE INC. is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., LIFE INSURANCE COMPANY OF NORTH AMERICA and FIDELITY SECURITY LIFE INSURANCE COMPANY. 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 | 354 | Jan 1, 2026 | $3,126,451 | $45,858 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 318 | Jan 1, 2026 | $119,486 | $11,949 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 168 | Jan 1, 2026 | $96,713 | $9,671 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 317 | Jan 1, 2026 | $32,324 | $3,966 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 285 | Jan 1, 2026 | $19,353 | $1,935 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4958483. For the contract year on this filing, the carrier reported $3,126,451 in premium earned and $2,064,934 in claims incurred. Dividing one by the other gives 66%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4958483 reported $1,061,518 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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