Form 5500 · Employee benefit plan · CAMBRIDGE, MA
FLAGSHIP PIONEERING
The filing calls this plan FLAGSHIP PIONEERING EMPLOYEE BENEFIT PLAN.
FLAGSHIP PIONEERING of CAMBRIDGE, MA spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MARSH & MCLENNAN AGENCY LLC (NE). Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 75-2992246 · plan 501 · plan year 2025, filed Jul 20, 2026
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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
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: prepaid legal, 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 2,537 people.
Reported premium across the insured contracts is $18,543,784, with $479,132 in disclosed broker commissions — about 2.6% 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.
MARSH & MCLENNAN AGENCY LLC (NE) is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., PRUDENTIAL INSURANCE COMPANY OF AMERICA, VISION SERVICE PLAN and METROPOLITAN GENERAL 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 | 2,537 | Jan 1, 2026 | $17,493,989 | $352,687 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 1,092 | Jan 1, 2026 | $711,873 | $109,916 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 351 | Jan 1, 2026 | $82,524 | $16,529 |
| VISION SERVICE PLAN | Vision | 1,031 | Jan 1, 2026 | $218,250 | $0 |
| HEALTH ADVOCATE SOLUTIONS, INC. | — | 1,104 | Jan 1, 2026 | $37,148 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4934844. For the contract year on this filing, the carrier reported $17,493,989 in premium earned and $23,187,702 in claims incurred. Dividing one by the other gives 133%.
VISION SERVICE PLAN, contract 30086036. For the contract year on this filing, the carrier reported $218,250 in premium earned and $155,192 in claims incurred. Dividing one by the other gives 71%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4934844 reported $-5,693,714 in retention.
- VISION SERVICE PLAN, contract 30086036 reported $39,225 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.
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