Form 5500 · Employee benefit plan · WORCESTER, MA
JEWISH HEALTHCARE CENTER, INC.
The filing calls this plan JEWISH HEALTHCARE CENTER, INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how JEWISH HEALTHCARE CENTER, INC. of WORCESTER, MA, a manufacturing employer, structures its employee benefits. Its broker of record is IMA GROUP BENEFITS LLC. Coverage is written through HARVARD PILGRIM HEALTH CARE and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2103803 · plan 504 · plan year 2025, filed Jun 17, 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: 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.
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, dental, vision, life and disability; the largest, with HARVARD PILGRIM HEALTH CARE, covers 168 people.
Reported premium across the insured contracts is $2,500,740, with $58,476 in disclosed broker commissions — about 2.3% 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.
IMA GROUP BENEFITS LLC is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HARVARD PILGRIM HEALTH CARE, BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., METROPOLITAN LIFE INSURANCE COMPANY and VISION SERVICE PLAN. HARVARD PILGRIM HEALTH CARE writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE | Health | 168 | Jan 1, 2026 | $1,388,700 | $22,250 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 364 | Jan 1, 2026 | $102,913 | $15,149 |
| HARVARD PILGRIM HEALTH CARE | Health | 110 | Jan 1, 2026 | $822,442 | $14,370 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Dental | 284 | Jan 1, 2026 | $169,576 | $5,706 |
| VISION SERVICE PLAN | Vision | 130 | Jan 1, 2026 | $17,109 | $1,001 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4957360. For the contract year on this filing, the carrier reported $169,576 in premium earned and $130,022 in claims incurred. Dividing one by the other gives 77%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4957360 reported $39,553 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.
Reported to OSHA
Reported to OSHA for 2025: 415 employees, 16 recordable cases, 378 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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