Form 5500 · Employee benefit plan · BOSTON, MA
TOAST, INC.
TOAST, INC. of BOSTON, MA spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is IMA INC. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS and 6 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 45-4168768 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 11 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, covers 7,270 people.
Reported premium across the insured contracts is $48,739,703, with $16,146 in disclosed broker commissions — about 0% of premium.
The health contract's policy period ended in July, while at least one ancillary line renews in December — the plan is on a split renewal cycle.
IMA INC is the broker of record on 2 of the 11 contracts; the rest name a different broker or none.
7 carriers appear on the filing — BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, UNUM LIFE INSURANCE COMPANY OF AMERICA, KAISER FOUNDATION HEALTH PLAN, INC. and FIDELITY SECURITY LIFE INSURANCE COMPANY among them — with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 831 | December | $254,271 | $13,817 |
| FOUR EVER LIFE INS CO. | Health, Dental, Vision | 3 | July | $16,221 | $1,773 |
| FOUR EVER LIFE INS CO. | — | 0 | January | $3,732 | $560 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 65 | December | $462,806 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 93 | December | $725,694 | $0 |
| LEGALPLANS, USA | — | 573 | December | $113,451 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 4,592 | December | $743,935 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 6,365 | December | $358,688 | $0 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | Health | 7,270 | December | $45,976,189 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision, Life | 15 | June | $78,092 | $0 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 122 | December | $6,624 | $-4 |
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