Form 5500 · Employee benefit plan · WEST NEWTON, MA
THE FESSENDEN SCHOOL
The filing calls this plan THE FESSENDEN SCHOOL HEALTH & WELFARE BENEFIT WRAP.
THE FESSENDEN SCHOOL of WEST NEWTON, MA spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is THE HILB GROUP OF NEW ENGLAND LLC. Coverage is written through MA GENERAL BRIGHAM HEALTH PLAN and 3 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2103574 · plan 501 · plan year 2025, filed Apr 8, 2026
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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: 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 4 insured contracts covering health, dental, vision, life and disability; the largest, with MA GENERAL BRIGHAM HEALTH PLAN, covers 137 people.
Reported premium across the insured contracts is $2,946,959, with $112,355 in disclosed broker commissions — about 3.8% of premium.
The most recent policy period ended in May, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
THE HILB GROUP OF NEW ENGLAND LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including MA GENERAL BRIGHAM HEALTH PLAN, DELTA DENTAL OF MASSACHUSETTS, METROPOLITAN LIFE INSURANCE COMPANY and EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. MA GENERAL BRIGHAM HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MA GENERAL BRIGHAM HEALTH PLAN | Health | 137 | Jun 1, 2025 | $2,751,935 | $100,035 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 189 | Jun 1, 2025 | $43,719 | $7,351 |
| DELTA DENTAL OF MASSACHUSETTS | Health, Dental | 262 | Jun 1, 2025 | $130,644 | $4,969 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 313 | Jun 1, 2025 | $20,661 | $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.
Reported to OSHA
Reported to OSHA for 2025: 253 employees, 2 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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