Form 5500 · Employee benefit plan · LOWELL, MA
LOWELL GENERAL HOSPITAL
The filing calls this plan LOWELL GENERAL HOSPITAL WELFARE BENEFIT PLAN.
LOWELL GENERAL HOSPITAL of LOWELL, MA insures vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is INDIGO INSURANCE SERVICES. Coverage is written through USABLE LIFE and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2103590 · plan 501 · plan year 2023, filed Oct 9, 2024
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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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, 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.
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 8 insured contracts covering vision, life and disability; the largest, with USABLE LIFE, covers 3,126 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $6,631,029, with $135,069 in disclosed broker commissions — about 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.
INDIGO INSURANCE SERVICES is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| USABLE LIFE | Life, Disability | 3,126 | Jan 1, 2024 | $6,280,340 | $62,804 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 2,862 | Jan 1, 2024 | $49,435 | $39,555 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 233 | Jan 1, 2024 | $112,154 | $21,756 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 60 | Jan 1, 2024 | $48,973 | $8,729 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 3,071 | Jan 1, 2024 | $78,182 | $2,218 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 24 | Jan 1, 2024 | $473 | $24 |
| ESI EMPLOYEE ASSISTANCE GROUP | — | 3,616 | Jan 1, 2024 | $61,472 | $0 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 1 | Jan 1, 2024 | — | $-17 |
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.
Reported to OSHA
Reported to OSHA for 2025: 4,964 employees, 241 recordable cases, 2,609 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
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