Form 5500 · Employee benefit plan · AUBURN, MA
SENIORLINK, INC.
The filing calls this plan SENIORLINK, INC. EMPLOYEE BENEFITS PLAN.
SENIORLINK, INC. of AUBURN, MA insures health, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is EBS INSURANCE BROKERS, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-3520800 · plan 501 · plan year 2025, filed Nov 16, 2025
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89 other employer plans in Massachusetts have policy years ending in April. 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
Also declared: 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 3 insured contracts covering health, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 904 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, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $6,207,737, with $245,036 in disclosed broker commissions — about 3.9% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
EBS INSURANCE BROKERS, INC. is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Vision | 904 | May 1, 2025 | $5,613,698 | $188,864 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision, Life, Disability | 761 | May 1, 2025 | $494,608 | $51,443 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 416 | May 1, 2025 | $99,431 | $4,729 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3344322. For the contract year on this filing, the carrier reported $5,613,698 in premium earned and $6,428,866 in claims incurred. Dividing one by the other gives 115%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3344322 reported $523,421 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
89 other employer plans in Massachusetts are May 1 renewals (policy year ends April).
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