Form 5500 · Employee benefit plan · WALTHAM, MA
WORK, COMMUNITY, INDEPENDENCE, INC.
The filing calls this plan WCI EMPLOYEE HEALTH AND WELFARE PLAN.
WORK, COMMUNITY, INDEPENDENCE, INC. of WALTHAM, MA is a 264-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is BROWN & BROWN. Coverage is written through MASS GENERAL BRIGHAM HEALTH PLAN and 3 other carriers. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-7427897 · plan 503 · plan year 2024, filed Jun 13, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
47 other employer plans in Massachusetts have policy years ending in November. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: 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, life and disability; the largest, with MASS GENERAL BRIGHAM HEALTH PLAN, covers 128 people.
Reported premium across the insured contracts is $1,651,010, with $73,092 in disclosed broker commissions — about 4.4% of premium.
The most recent policy period ended in November, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
BROWN & BROWN is the broker of record on all 4 contracts.
4 carriers appear on the filing, including MASS GENERAL BRIGHAM HEALTH PLAN, METROPOLITAN LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and EYEMED VISION CARE. MASS GENERAL BRIGHAM HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MASS GENERAL BRIGHAM HEALTH PLAN | Health | 128 | Dec 1, 2024 | $1,496,188 | $62,750 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 263 | Dec 1, 2024 | $32,239 | $6,023 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental | 211 | Dec 1, 2024 | $117,268 | $3,727 |
| EYEMED VISION CARE | Vision | 61 | Dec 1, 2024 | $5,315 | $592 |
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: 282 employees, 3 recordable cases, 43 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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Renewal calendar
47 other employer plans in Massachusetts are December 1 renewals (policy year ends November).
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