Form 5500 · Employee benefit plan · BEDFORD, MA
THERMACELL REPELLENTS, INC.
The filing calls this plan THERMACELL REPELLENTS, INC. HEALTH AND WELFARE PLAN.
THERMACELL REPELLENTS, INC. of BEDFORD, MA insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is APEX BENEFITS PARTNERS, INC.. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 1 other carrier. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2739270 · plan 501 · plan year 2025, filed Mar 31, 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.
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, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 219 people.
Reported premium across the insured contracts is $2,073,588, with $55,757 in disclosed broker commissions — about 2.7% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
APEX BENEFITS PARTNERS, INC. is the broker of record on all 2 contracts.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health, Dental, Vision | 219 | Nov 1, 2025 | $1,974,273 | $43,033 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 115 | Nov 1, 2025 | $99,315 | $12,724 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 8011664. For the contract year on this filing, the carrier reported $1,974,273 in premium earned and $1,397,296 in claims incurred. Dividing one by the other gives 71%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 8011664 reported $623,356 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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