Form 5500 · Employee benefit plan · CHARLTON, MA
TREE HOUSE BREWING
The filing calls this plan TREE HOUSE BREWING HEALTH AND WELFARE PLAN.
TREE HOUSE BREWING of CHARLTON, MA insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HP PLANNING LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. and 3 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 47-2743814 · plan 501 · plan year 2025, filed Jan 29, 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.
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 and life; the largest, with BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., covers 320 people.
Reported premium across the insured contracts is $1,731,952, with $65,419 in disclosed broker commissions — about 3.8% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
HP PLANNING LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., DELTA DENTAL OF MASSACHUSETTS, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and COMPSYCH CORPORATION. BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Health | 320 | Aug 1, 2025 | $1,574,048 | $56,008 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision, Life | 174 | Aug 1, 2025 | $48,972 | $4,932 |
| DELTA DENTAL OF MASSACHUSETTS | Dental | 290 | Aug 1, 2025 | $106,031 | $4,479 |
| COMPSYCH CORPORATION | — | 316 | Aug 1, 2025 | $2,901 | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4960919. For the contract year on this filing, the carrier reported $1,574,048 in premium earned and $1,384,363 in claims incurred. Dividing one by the other gives 88%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4960919 reported $189,685 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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