Form 5500 · Employee benefit plan · NORWOOD, MA
M.S. WALKER, INC.
The filing calls this plan M. S. WALKER, INC. HEALTH AND WELFARE PLAN.
Public Form 5500 records show how M.S. WALKER, INC. of NORWOOD, MA, a wholesale trade employer, structures its employee benefits. Its broker of record is RISK STRATEGIES COMPANY. Coverage is written through HPHC JOINT VENTURE UHG and 5 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-1941600 · plan 501 · plan year 2025, filed Mar 13, 2026
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53 other employer plans in Massachusetts have policy years ending in October. 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, 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 6 insured contracts covering health, dental, vision, life and disability; the largest, with HPHC JOINT VENTURE UHG, covers 377 people.
Reported premium across the insured contracts is $8,186,303, with $194,723 in disclosed broker commissions — about 2.4% of premium.
The health contract's policy period ended in October, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
RISK STRATEGIES COMPANY is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including HPHC JOINT VENTURE UHG, UNUM LIFE INSURANCE COMPANY OF AMERICA, METROPOLITAN LIFE INSURANCE COMPANY and UNUM INSURANCE COMPANY. HPHC JOINT VENTURE UHG writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HPHC JOINT VENTURE UHG | Health | 377 | Nov 1, 2025 | $7,259,088 | $105,580 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 511 | Nov 1, 2025 | $411,449 | $55,446 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 827 | Nov 1, 2025 | $371,320 | $17,040 |
| UNUM INSURANCE COMPANY | — | 154 | Nov 1, 2025 | $86,273 | $14,838 |
| VISION SERVICE PLAN | Vision | 287 | Nov 1, 2025 | $47,913 | $1,819 |
| ALLONE HEALTH EAP, LLC | — | 516 | Jun 1, 2025 | $10,260 | $0 |
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
53 other employer plans in Massachusetts are November 1 renewals (policy year ends October).
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