Form 5500 · Employee benefit plan · NEEDHAM, MA
NORTH HILL COMMUNITIES, INC.
The filing calls this plan NORTH HILL HEALTH AND WELFARE BENEFITS PLAN.
NORTH HILL COMMUNITIES, INC. of NEEDHAM, MA insures health, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through HARVARD PILGRIM HEALTH CARE and 6 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-4416455 · plan 502 · plan year 2025, filed Nov 20, 2025
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105 other employer plans in Massachusetts have policy years ending in March. 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
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, 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 15 insured contracts covering health, vision, life and disability; the largest, with HARVARD PILGRIM HEALTH CARE, covers 121 people.
The filing declares health, vision, life, disability and dental. Dental appears 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 $3,180,336, with $124,035 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 14 of the 15 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE | Health | 121 | Apr 1, 2025 | $953,475 | $29,763 |
| HPHC INSURANCE COMPANY | Health | 73 | Apr 1, 2025 | $641,228 | $19,540 |
| HARVARD PILGRIM HEALTH CARE | Health | 59 | Apr 1, 2025 | $491,483 | $14,727 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 114 | Apr 1, 2025 | $64,814 | $14,149 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 266 | Apr 1, 2025 | $112,712 | $13,525 |
| HPHC INSURANCE COMPANY | Health | 33 | Apr 1, 2025 | $338,180 | $10,011 |
| HARVARD PILGRIM HEALTH CARE | Health | 28 | Apr 1, 2025 | $322,245 | $8,941 |
| HARVARD PILGRIM HEALTH CARE | Health | 23 | Apr 1, 2025 | $191,109 | $5,642 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 65 | Apr 1, 2025 | $23,311 | $3,497 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 16 | Apr 1, 2025 | $14,330 | $2,686 |
| VISION SERVICE PLAN | Vision | 120 | Apr 1, 2025 | $17,589 | $1,020 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 22 | Apr 1, 2025 | $5,418 | $599 |
| HPHC INSURANCE COMPANY | Health | 0 | Apr 1, 2025 | $1,760 | $53 |
| HPHC INSURANCE COMPANY | Health | 0 | Apr 1, 2025 | — | $-50 |
| HARVARD PILGRIM HEALTH CARE | Health | 0 | Apr 1, 2025 | $2,682 | $-68 |
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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Renewal calendar
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