Form 5500 · Employee benefit plan · BOSTON, MA
THE TOMORROW COMPANIES INC.
The filing calls this plan THE TOMORROW COMPANIES HEALTH AND WELFARE PLAN.
THE TOMORROW COMPANIES INC. 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 USI INSURANCE SERVICES LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF MASS and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-1778389 · plan 501 · plan year 2024, filed Jul 31, 2025
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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.
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 health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASS, covers 206 people.
Reported premium across the insured contracts is $2,103,754, with $52,720 in disclosed broker commissions — about 2.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
USI INSURANCE SERVICES LLC is the broker of record on 3 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASS, DELTA DENTAL, PRINCIPAL LIFE INSURANCE COMPANY and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS BLUE SHIELD OF MASS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASS | Health | 206 | Jan 1, 2025 | $1,895,481 | $37,785 |
| PRINCIPAL LIFE INSURANCE COMPANY | Life, Disability | 119 | Jan 1, 2025 | $63,059 | $6,714 |
| DELTA DENTAL | Dental | 208 | Jan 1, 2025 | $124,477 | $4,789 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision | 86 | Jan 1, 2025 | $17,162 | $3,432 |
| ESI GROUP | — | 152 | Jan 1, 2025 | $3,575 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASS, contract 8070839. For the contract year on this filing, the carrier reported $1,895,481 in premium earned and $1,523,623 in claims incurred. Dividing one by the other gives 80%.
- BLUE CROSS BLUE SHIELD OF MASS, contract 8070839 reported $371,858 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.
Other plans filed by this employer
How this plan compares
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