| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $39K | $7K | $46K | 2.11% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $6K | $0 | $6K | 3.36% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.36% |
| ACCESS ENROLL3 | 153 CORDAVILLE ROAD STE 130 SOUTHBORO, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $420 | $0 | $420 | 5.80% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $417 | $0 | $417 | 5.76% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16 | $0 | $16 | 0.22% |
| KINNEY, JAMES, TIMOTHY INC.3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.07% |
| ACKERMAN, MICHAEL, ROBERT3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.01% |
| ACCESS ENROLL3 | 153 CORDAVILLE ROAD STE 130 SOUTHBORO, MA 01772 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $323 | $0 | $323 | 10.79% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $294 | $0 | $294 | 9.82% |
| MCGARRY, MICHAEL, PATRICK3 | 9 DUNN ESTS SCARBOROUGH, ME 04074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.87% |
| KINNEY, JAMES, TIMOTHY INC.3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.43% |
| ACKERMAN, MICHAEL, ROBERT3 | 435 DEVON PARK DR STE 410 WAYNE, PA 09087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRATED BENEFITS GROUP ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | $66K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 214 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 213 | $169K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $87K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $7K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $84K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.