Form 5500 · Employee benefit plan · MEDWAY, MA
SPENCER TECHNOLOGIES, INC.
The filing calls this plan SPENCER TECHNOLOGIES, INC. HEALTH AND WELFARE BENEFITS PLAN.
SPENCER TECHNOLOGIES, INC. of MEDWAY, MA is a 372-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BROWN & BROWN MA. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 05-0499679 · plan 502 · plan year 2025, filed Jul 1, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
2 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.
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.
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 5 insured contracts covering dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 281 people.
The filing declares dental, vision, life, disability and health. Health 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 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $427,332, with $33,623 in disclosed broker commissions — about 7.9% of premium.
The most recent policy period ended in March, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
BROWN & BROWN MA is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Life, Disability | 281 | Apr 1, 2025 | $192,523 | $19,252 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 224 | Jan 1, 2026 | $169,274 | $5,045 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 353 | Jan 1, 2026 | $39,402 | $4,249 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | — | 51 | Jan 1, 2026 | $15,934 | $3,343 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 33 | Jan 1, 2026 | $10,199 | $1,734 |
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.
Reported to OSHA
Reported to OSHA for 2025: 262 employees, 3 recordable cases, 313 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
105 other employer plans in Massachusetts are April 1 renewals (policy year ends March).
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