Form 5500 · Employee benefit plan · BOSTON, MA
PYRAMID-BMC HOLDINGS, LLC
The filing calls this plan PYRAMID GLOBAL WELFARE BENEFIT PLAN.
PYRAMID-BMC HOLDINGS, LLC of BOSTON, MA insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 10 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 87-2453096 · plan 501 · plan year 2025, filed Sep 8, 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 294 of 11,568 participants (2.5%) on Schedule A.
Also declared: 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 18 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $11,428,966, with $307,842 in disclosed broker commissions — about 2.7% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on 7 of the 18 contracts; the rest name a different broker or none.
11 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., UNUM LIFE INSURANCE COMPANY OF AMERICA, SECURIAN LIFE INSURANCE COMPANY and RELIASTAR LIFE INSURANCE COMPANY. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 6,151 | Jan 1, 2026 | $1,032,716 | $289,611 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 294 | Jan 1, 2026 | $2,747,264 | $6,343 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,036 | Jan 1, 2026 | $1,281,417 | $5,381 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 15 | Jan 1, 2026 | $80,672 | $3,567 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 136 | Jan 1, 2026 | $1,514,021 | $1,373 |
| HAWAII DENTAL SERVICE | Dental | 68 | Jan 1, 2026 | $23,481 | $703 |
| UNIVERSITY HEALTH ALLIANCE | Health, Vision | 5 | Jan 1, 2026 | $31,274 | $540 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental | 2 | Jan 1, 2026 | $4,907 | $310 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,666 | Jan 1, 2026 | $1,236,901 | $14 |
| SECURIAN LIFE INSURANCE COMPANY | — | 2,332 | Jan 1, 2026 | $1,180,770 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 82 | Jan 1, 2026 | $713,893 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 5,294 | Jan 1, 2026 | $565,282 | $0 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 10,980 | Jan 1, 2026 | $405,494 | $0 |
| ALPHA DENTAL PROGRAMS, INC. | Dental | 2,189 | Jan 1, 2026 | $351,594 | $0 |
| SIMNSA | Health, Dental | 76 | Jan 1, 2026 | $245,173 | $0 |
| HAWAII DENTAL SERVICE | Dental | 119 | May 1, 2025 | $14,107 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 0 | Jan 1, 2026 | — | $0 |
| SIMNSA | Health, Dental | 0 | 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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