Form 5500 · Employee benefit plan · SOMERVILLE, MA
MASS GENERAL BRIGHAM INCORPORATED
The filing calls this plan BENEFIT PROGRAM FOR MASS GENERAL BRIGHAM AND MEMBER ORGANIZATIONS.
MASS GENERAL BRIGHAM INCORPORATED of SOMERVILLE, MA is a 73,940-participant health care and social assistance employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is EMPOWER BENEFITS INC DBA CORESTREAM. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3230035 · plan 501 · plan year 2025, filed Jul 23, 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
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
Disability: the largest of the 31 insured disability contracts, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 3,550 of 73,940 participants (4.8%) on Schedule A.
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, other welfare, 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 37 insured contracts covering health, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 106,609 people.
The filing declares health, life, disability, dental and vision. Dental and vision 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 $52,867,283, with $4,802,795 in disclosed broker commissions — about 9.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
EMPOWER BENEFITS INC DBA CORESTREAM is the broker of record on 1 of the 37 contracts; the rest name a different broker or none.
Schedule A insurance contracts
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: 9,695 employees, 2 recordable cases, 6 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
1,456 other employer plans in Massachusetts are January 1 renewals (policy year ends December).
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