| 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. | $63K | $0 | $63K | 2.04% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 11.12% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.53% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | VISION SERVICE PLAN | $875 | $0 | $875 | 5.25% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $228 | $0 | $228 | 3.44% |
| ACCESS ENROLL3 | 153 CORDAVILLE ROAD STE 130 SOUTHBORO, MA 01772 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | $2 | $94 | 1.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRATED BENEFITS GROUP ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | $84K |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 284 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 284 | $3.1M |
| Vision | VISION SERVICE PLAN | 198 | $17K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $102K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $56K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $102K |
| Other(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.