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Original filing (PDF)20251010085646NAL0012174208001
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.
Form 5500
FILING_RECEIVED
BLUE CROSS AND BLUE SHIELD OF MASSACHUSETTS, INC. RETIREMENT INCOME TRUST
Defined-benefit pension plan
Signals · 3
43% in single holdingNo recordkeeper disclosed19 service providers
Active participants
2,586
Accounts w/ balance
—
Plan assets (EOY)
$867.5M
Net assets (EOY)
$866.6M
How this plan invests
This plan
8 pooled trusts
Schedule D
8 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
83
/ 100
Grade B
Above-average plan
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
79
Total plan cost
65
Vendor stack
55
Participation health
100
Knocking points off
- Top holding "[DFE: STATE STREET LONG U.S. TREASURY INDEX NON-LENDING FUND (extraction pending)]" is 43% of plan.
- 31 bps in Schedule C fees — 413% above peer band of 6 bps.
- No recordkeeper disclosed on Schedule C.
- Plan is frozen (1I) — no new benefit accrual.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC..
Plan sponsor
Name
BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC.
EIN
04-1045815
Address
101 HUNTINGTON AVENUE, SUITE 1300 · BOSTON, MA · 02199
Phone
(617) 246-5000
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-10
Pension benefit codes
1A · Pay-related DB formula
1C · Cash balance or similar hybrid DB
1E · Section 401(h) arrangement
1I · Frozen plan — no new benefit accrual
Audit & trust (Schedule H)
Auditor
ERNST & YOUNG LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
19 rowsOther
19| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY | 04-2647786 | — | NONE | $371K | — |
| UBS REALTY INVESTORS | 06-1452020 | — | NONE | $357K | — |
| BROOKFIELD REAL ESTATE FUNDS | 61-1855502 | — | NONE | $225K | — |
| MELLON TRUST | 04-1107280 | — | NONE | $209K | — |
| L&G INV MGMT ,INC-LONG CREDIT | 20-8058531 | — | NONE | $207K | — |
| WELLINGTON TRUST RESEARCH EQUITY | 04-2755549 | — | NONE | $188K | — |
| COMVEST CAPITAL IV | 81-3400746 | — | NONE | $174K | — |
| INCOME RESEARCH+MGMT, LONG DURATION | 04-2955404 | — | NONE | $167K | — |
| NEPC | 26-1429809 | — | NONE | $150K | — |
| INCOME RESEARCH+MGMT, INTER CREDIT | 04-2955404 | — | NONE | $135K | — |
| WILLIAM BLAIR | 27-6331814 | — | NONE | $125K | — |
| MERCER | 13-2834414 | — | NONE | $102K | — |
| TELUS | 98-0361292 | — | NONE | $77K | — |
| ERNST & YOUNG AUDIT FEES | 34-6565596 | — | NONE | $66K | — |
| STATESTREET GLOBAL ADVISORS-LONG US | 81-4017137 | — | NONE | $42K | — |
| SPRUCEGROVE | 82-3743187 | — | NONE | $38K | — |
| STATESTREET GLOBAL ADVISORS-3 TO 1O | 81-4017137 | — | NONE | $26K | — |
| MELLON CAPITAL MGMT SMALL CAP | 25-6078093 | — | NONE | $6K | — |
| STATE STREET GLOBAL ADVISORS S&P500 | 81-4017137 | — | NONE | $5K | — |
Investments
2 direct securities · 8 pooled funds· $485.4M(56% of reported assets)
Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.
Common Collective Trust
$361.7M
8 holdings
Uncategorized
$123.7M
2 holdings
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| LONG US TSY INDEX NON-LENDING FUND STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 479 | Common Collective Trust | — | — | $153.8M | 17.7% | |
| [DFE: STATE STREET 3-10 YEAR U.S. TREASURY INDEX NON-LENDING FUND (extraction pending)] | — | — | — | $119.1M | 13.7% | |
| 3-10YR US TSY INDEX NONLENDING FUND STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 477 | Common Collective Trust | — | — | $119.1M | 13.7% | |
| WTC-CIF RESEARCH EQUITY PORTFOLIO WELLINGTON TRUST COMPANY, NA · EIN 04-2767481 / PN 054 | Common Collective Trust | — | — | $31.3M | 3.6% | |
| RET BNYM DB SL SMALL MELLON CAPITAL MANAGEMENT · EIN 25-6078093 / PN 179 | Common Collective Trust | — | — | $17.8M | 2.0% | |
| S&P 500 (R) FLAGSHIP NL FUND (CM13) STATE STREET GLOBAL ADVISORS · EIN 04-0025081 / PN 004 | Common Collective Trust | — | — | $17.2M | 2.0% | |
| SPRUCEGROVE COLLECTIVE INVEST TRUST SEI TRUST COMPANY · EIN 82-3729482 / PN 112 | Common Collective Trust | — | — | $9.0M | 1.0% | |
| WILLIAM BLAIR INT'L GROWTH CLTV INV GLOBAL TRUST COMPANY · EIN 27-6331814 / PN 002 | Common Collective Trust | — | — | $8.9M | 1.0% | |
| [DFE: THE BANK OF NEW YORK COLLECTIVE TRUST GOVERNMENT SHORT TERM INVESTMENT FUND OF THE BANK OF NEW YORK MELLON (extraction pending)] | — | — | — | $4.5M | 0.5% | |
| COLLECTIVE US GOV'T STIF 15 THE BANK OF NEW YORK MELLON · EIN 81-6243181 / PN 001 | Common Collective Trust | — | — | $4.5M | 0.5% |