Form 5500 · Employee benefit plan · SPRINGFIELD, MA
GREATER SPRINGFIELD SENIOR SERVICES
The filing calls this plan GREATER SPRINGFIELD SENIOR SERVICES WELFARE BENEFITS PLAN.
GREATER SPRINGFIELD SENIOR SERVICES of SPRINGFIELD, MA insures health, dental and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ONE MONARCH PLACE. Coverage is written through HEALTH NEW ENGLAND, INC. and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2510895 · plan 501 · plan year 2025, filed Nov 13, 2025
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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.
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 and life; the largest, with HEALTH NEW ENGLAND, INC., covers 171 people.
Reported premium across the insured contracts is $2,601,162, with $61,710 in disclosed broker commissions — about 2.4% 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.
ONE MONARCH PLACE is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including HEALTH NEW ENGLAND, INC., BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and UNITED OF OMAHA LIFE INSURANCE COMPANY. HEALTH NEW ENGLAND, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH NEW ENGLAND, INC. | Health | 171 | Jul 1, 2025 | $2,432,930 | $54,201 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Dental | 273 | Jul 1, 2025 | $145,197 | $5,205 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 170 | Jul 1, 2025 | $23,035 | $2,304 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 53228. For the contract year on this filing, the carrier reported $145,197 in premium earned and $110,447 in claims incurred. Dividing one by the other gives 76%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 53228 reported $97,750 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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