Form 5500 · Employee benefit plan · CHARLESTOWN, MA
TEAMSTERS UNION LOCAL 25 HEALTH SERVICES & INSURANCE PLAN
The filing calls this plan TEAMSTERS UNION 25 HEALTH SERVICES & INSURANCE PLA.
Public Form 5500 records show how TEAMSTERS UNION LOCAL 25 HEALTH SERVICES & INSURANCE PLAN of CHARLESTOWN, MA, a transportation and logistics employer, structures its employee benefits. Its broker of record is THE HILB GROUP OF NEW ENGLAND LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF MASS and 1 other carrier. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-6374631 · plan 501 · plan year 2025, filed Apr 1, 2026
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72 other employer plans in Massachusetts have policy years ending in August. 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 plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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.
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 2 insured contracts covering health and life; the largest, with BLUE CROSS BLUE SHIELD OF MASS, covers 13,905 people.
The filing declares health, life, dental, vision and disability. Dental, vision and disability appear 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 $111,272,121, with $1,179,294 in disclosed broker commissions — about 1.1% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
THE HILB GROUP OF NEW ENGLAND LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASS | Health | 13,905 | Sep 1, 2025 | $110,656,266 | $1,105,542 |
| SYMETRA LIFE INSURANCE COMPANY | Life | — | Sep 1, 2025 | $615,855 | $73,752 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASS, contract 4025366. For the contract year on this filing, the carrier reported $110,656,266 in premium earned and $101,938,941 in claims incurred. Dividing one by the other gives 92%.
- BLUE CROSS BLUE SHIELD OF MASS, contract 4025366 reported $8,717,324 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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Renewal calendar
72 other employer plans in Massachusetts are September 1 renewals (policy year ends August).
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