Form 5500 · Employee benefit plan · WALTHAM, MA
NATIONAL MEDICAL CARE, INC.
The filing calls this plan FRESENIUS MEDICAL CARE NORTH AMERICA EMPLOYEE BENEFITS PLAN.
NATIONAL MEDICAL CARE, INC. of WALTHAM, MA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 13 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2835488 · plan 507 · plan year 2025, filed Aug 25, 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
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.
Benefits declared on this filing
Health: the largest of the 9 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 3,165 of 57,861 participants (5.5%) on Schedule A.
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 23 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 71,844 people.
Reported premium across the insured contracts is $204,300,412, with $5,828,433 in disclosed broker commissions — about 2.9% 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.
LOCKTON COMPANIES, LLC is the broker of record on 12 of the 23 contracts; the rest name a different broker or none.
14 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC., LIFE INSURANCE COMPANY OF NORTH AMERICA and SELECTHEALTH. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 18,401 | Jan 1, 2026 | $7,647,111 | $1,911,777 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 16,419 | Jan 1, 2026 | $3,750,777 | $937,694 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 13,627 | Jan 1, 2026 | $3,700,983 | $925,246 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 54,498 | Jan 1, 2026 | $23,412,167 | $543,007 |
| VISION SERVICE PLAN | Vision | 41,928 | Jan 1, 2026 | $5,332,163 | $533,276 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 54,498 | Jan 1, 2026 | $17,855,632 | $388,377 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 54,498 | Jan 1, 2026 | $16,634,787 | $359,362 |
| ARAG INSURANCE COMPANY | — | 18,468 | Jan 1, 2026 | $2,013,040 | $201,304 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 54,498 | Jan 1, 2026 | $1,083,796 | $23,464 |
| HAWAII DENTAL SERVICE | Dental | 1,296 | Jan 1, 2026 | $482,877 | $4,926 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 71,844 | Jan 1, 2026 | $28,324,722 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 3,165 | Jan 1, 2026 | $24,631,173 | $0 |
| SELECTHEALTH | Health | 3,089 | Jan 1, 2026 | $22,236,659 | $0 |
| BLUECROSS BLUESHIELD OF ILLINOIS | Health | 2,342 | Jan 1, 2026 | $18,227,470 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 1,163 | Jan 1, 2026 | $9,235,532 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 1,089 | Jan 1, 2026 | $9,077,463 | $0 |
| AETNA LIFE INSURANCE COMPANY | Dental | 19,100 | Jan 1, 2026 | $5,014,134 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 303 | Jan 1, 2026 | $2,554,413 | $0 |
| CALVO'S SELECTCARE INSURANCE, INC. | Health, Dental, Vision | 108 | Jan 1, 2026 | $1,543,211 | $0 |
| COMPSYCH CORPORATION | — | 58,582 | Jan 1, 2026 | $836,927 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 99 | Jan 1, 2026 | $662,718 | $0 |
| SELECTHEALTH | Health | 6 | Jan 1, 2026 | $42,657 | $0 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 71,623 | Jan 1, 2026 | — | $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.
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