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Form 5500 · Employee benefit plan · CAMBRIDGE, MA

MASSACHUSETTS INSTITUTE OF TECHNOLOGY

The filing calls this plan MASSACHUSETTS INSTITUTE OF TECHNOLOGY RETIREE WELFARE BENEFIT PLAN.

MASSACHUSETTS INSTITUTE OF TECHNOLOGY of CAMBRIDGE, MA is a 7,380-participant education employer whose group benefits are disclosed in its annual Form 5500 filing. Coverage is written through TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC. and 2 other carriers. The plan's most recent policy period ended in December.

Benefits broker of record
Not disclosed
Insurance carrier
TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC.
Policy year ends
Decemberas filed for plan year 2025

Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2103594 · plan 507 · plan year 2025, filed Jan 27, 2026

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How this plan is funded

Both, as reported

The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.

A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.

All participants at the start of the year
7,380
Carriers on file
3
Disclosed commissions
$0
Typical renewal
January 1

Benefits declared on this filing

Healthinsured — TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC.245 of 7,380 participants (3.3%) on the largest contract
Dentaldeclared under plan 505
Visiondeclared under plan 505
Lifeinsured — METROPOLITAN LIFE INSURANCE COMPANY1,187 of 7,380 participants (16%)
Disabilitydeclared, not on Schedule A

Health: the largest of the 2 insured health contracts, with TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC., covers 245 of 7,380 participants (3.3%) on Schedule A.

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 3 insured contracts covering health and life.

The filing declares health, life and disability. Disability 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 is $1,220,781; the filing discloses no broker commission on these contracts.

The most recent policy period ended in December, and the plan year ends June 30. Group contracts typically renew on that annual cycle.

No broker of record is named on the Schedule A. The contracts may be written directly with the carrier, or the broker fields were left blank on the filing.

Schedule A insurance contracts

CarrierBenefitsCoveredRenewsPremiumCommission
TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION, INC.Health245Jan 1, 2025$517,776$0
METROPOLITAN LIFE INSURANCE COMPANYLife1,187Jan 1, 2025$482,130$0
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.Health103Jan 1, 2025$220,875$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.

See the filing at the Department of Labor

Administrator and service providers

Plan administrator on the filing
MASSACHUSETTS INSTITUTE OF TECHNOLOGY
EIN 04-2103594
KPMG
Accounting and audit · EIN 13-5565207
$50,032
paid directly by the plan
K1X, INC
Recordkeeping and information management · EIN 88-3572428
$7,570
paid directly by the plan
BLUE CROSS BLUE SHIELD OF MASS
Claims processing · EIN 04-1045815
$1,237,945
paid directly by the plan
STATE STREET BANK AND TRUST COMPANY
Custodian · EIN 04-1867445
$472,369
paid directly by the plan
WILLIS TOWERS WATSON
ACTUARIAL · EIN 25-1159360
$98,000
paid directly by the plan
PRICEWATERHOUSECOOPERS
Accounting and audit · EIN 13-4008324
$100,199
paid directly by the plan
EXPRESS SCRIPTS, INC
Claims processing · EIN 43-1420563
$745,234
paid directly by the plan
NORTHEAST RETIREMENT SERVICES
Recordkeeping and information management · EIN 81-5140646
$10,748
paid directly by the plan

The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.

Money the plan held and paid out

Plan assets at year end
$1,155,540,326
Paid out in benefits
$58,807,976
Paid to insurance carriersSchedule H, line 2e(2)
$1,248,541
Independent accountantEIN 13-4008324
PRICEWATERHOUSECOOPERS
Accountant's opinion (Schedule H, line 3a)
Unmodified
Audit fee
$100,199

Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H

These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.

Other plans filed by this employer

plan 505Insured benefit plan · 5 Schedule A contractsRenews ~Jan 1Mit Retiree DentalInsured benefit plan · 1 Schedule A contractRenews ~Jan 1Travel Accident Plan For Mit EmployeesInsured benefit plan · 2 Schedule A contractsRenews ~Jun 1Basic Retirement PlanRetirement plan · 1 Schedule A contractSupplemental 401(K) PlanForm 5500 filing · no insured Schedule A contractsLong Term DisabilityForm 5500 filing · no insured Schedule A contracts

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