Form 5500 · Employee benefit plan · WESTFORD, MA
NETSCOUT SYSTEMS, INC.
The filing calls this plan NETSCOUT SYSTEMS, INC. WELFARE BENEFITS PLAN.
NETSCOUT SYSTEMS, INC. of WESTFORD, MA is a 1,480-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2837575 · plan 501 · plan year 2024, filed Oct 14, 2025
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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
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
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 27 of 1,480 participants (1.8%) 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 9 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 3,342 people.
Reported premium across the insured contracts is $34,546,877, with $903,668 in disclosed broker commissions — about 2.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., SUN LIFE ASSURANCE COMPANY OF CANADA, KAISER FOUNDATION HEALTH PLAN, INC. and CIGNA HEALTH AND LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health | 3,342 | Jan 1, 2025 | $30,538,727 | $610,920 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 1,328 | Jan 1, 2025 | $1,772,210 | $163,294 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 27 | Jun 1, 2024 | $648,913 | $78,908 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 114 | Jan 1, 2025 | $1,103,473 | $27,968 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 345 | Jan 1, 2025 | $94,857 | $9,484 |
| CHLIC ON BEHALF OF METLIFE | Life, Disability | 27 | Jun 1, 2024 | $56,715 | $6,496 |
| VISION SERVICE PLAN | Vision | 1,179 | Jan 1, 2025 | $326,831 | $5,310 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 2,345 | Sep 23, 2024 | $5,151 | $1,288 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 1 | Sep 23, 2024 | — | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4954566. For the contract year on this filing, the carrier reported $30,538,727 in premium earned and $26,653,118 in claims incurred. Dividing one by the other gives 87%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4954566 reported $3,885,609 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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: 396 employees, 3 recordable cases, 1 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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