Form 5500 · Employee benefit plan · NEWBURYPORT, MA
TURNING POINT, INC.
The filing calls this plan TURNING POINT INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how TURNING POINT, INC. of NEWBURYPORT, MA, a health care and social assistance employer, structures its employee benefits. Its broker of record is HP PLANNING LLC. Coverage is written through HCC LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 04-2479435 · plan 502 · plan year 2025, filed Jan 30, 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
Disability: the largest of the 3 insured disability contracts, with RELIANCE STANDARD LIFE INSURANCE COMPANY, covers 18 of 228 participants (7.9%) on Schedule A.
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with HCC LIFE INSURANCE COMPANY, covers 136 people.
Reported premium across the insured contracts is $1,055,868, with $55,756 in disclosed broker commissions — about 5.3% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
HP PLANNING LLC is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HCC LIFE INSURANCE COMPANY, BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., VISION SERVICE PLAN and RELIANCE STANDARD LIFE INSURANCE COMPANY. HCC LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY | Health | 136 | Jul 1, 2025 | $857,567 | $42,790 |
| BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | Dental | 271 | Jul 1, 2025 | $124,406 | $4,791 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 18 | Jul 1, 2025 | $13,878 | $2,042 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 51 | Jul 1, 2025 | $12,466 | $1,870 |
| VISION SERVICE PLAN | Vision | 142 | Jul 1, 2025 | $16,001 | $1,300 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 66 | Jul 1, 2025 | $11,817 | $1,182 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 258 | Jul 1, 2025 | $8,843 | $973 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 258 | Jul 1, 2025 | $10,518 | $752 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 64 | Jul 1, 2025 | $372 | $56 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4954411. For the contract year on this filing, the carrier reported $124,406 in premium earned and $108,361 in claims incurred. Dividing one by the other gives 87%.
- BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC., contract 4954411 reported $16,045 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.
Reported to OSHA
Reported to OSHA for 2025: 379 employees, 8 recordable cases, 337 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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