Form 5500 · Employee benefit plan · PITTSFIELD, MA
INTEGRITUS HEALTHCARE
The filing calls this plan BERKSHIRE HEALTHCARE SYSTEMS, INC. HEALTH & WELFARE BENEFITS PLAN.
Public Form 5500 records show how INTEGRITUS HEALTHCARE of PITTSFIELD, MA, a health care and social assistance employer, structures its employee benefits. Its broker of record is UNKNOWN. Coverage is written through HEALTH NEW ENGLAND, INC. and 4 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3030633 · plan 501 · plan year 2026, filed Sep 11, 2026
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45 other employer plans in Massachusetts have policy years ending in January. 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: 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.
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, vision, life and disability; the largest, with HEALTH NEW ENGLAND, INC., covers 890 people.
The filing declares health, vision, life, disability 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 $18,802,998, with $395,207 in disclosed broker commissions — about 2.1% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
UNKNOWN is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HEALTH NEW ENGLAND, INC. | Health | 890 | Feb 1, 2026 | $13,555,806 | $244,090 |
| HARVARD PILGRIM HEALTH CARE | Health | 330 | Feb 1, 2026 | $4,309,103 | $74,805 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 1,652 | Feb 1, 2026 | $559,000 | $56,582 |
| ANTHEM BLUE CROSS | Health | 19 | Feb 1, 2026 | $300,962 | $11,917 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Vision | 1,434 | Feb 1, 2026 | $78,127 | $7,813 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4960320. For the contract year on this filing, the carrier reported $78,127 in premium earned and $27,480 in claims incurred. Dividing one by the other gives 35%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4960320 reported $50,647 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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Renewal calendar
45 other employer plans in Massachusetts are February 1 renewals (policy year ends January).
Their policy years end in January, like this plan’s, so most renew February 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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