| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 2.80% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 0.91% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $0 | $66K | 11.28% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 3.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.48% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.09% |
| JAMES R NELLIGAN & ASSOCS LLC3 | 1800 RT 34 BUILDING 4 STE 404 A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.51% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNDERGIES GROUP | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $861 | $0 | $861 | 0.16% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 81031 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 10.08% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROOUP | 271 MAIN ST STE G1 STTONEHAM, MA 02180 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 9.19% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.17% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS IN | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.84% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE | $3K | $0 | $3K | 2.99% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE | $3K | $0 | $3K | 2.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE | $0 | $408 | $408 | 0.35% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 11.69% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.31% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.46% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $277 | $277 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRATED BENEFITS GROUP BROKER | Contract Administrator; Claims processing; Other commissions Service code 12 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | $125K |
| CORPORATE SYNERGIES GROUP LLC BROKER | Other commissions; Claims processing; Contract Administrator Service code 12 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | $47K |
| CORPORATE PLANS INC BROKER | Contract Administrator; Other commissions; Claims processing Service code 12 | 23285 COMMERCE PARK BEACHWOOD, OH 44122 | $12K |
| JAMES R NELLIGAN & ASSOC LLC BROKER | Other commissions; Claims processing; Contract Administrator Service code 12 | 1800 RT 34 BLDG 4 STE 404A WALL, NJ 07719 | $11K |
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 | 11,482 | 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) | 11,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,199 | $188K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,335 | $744K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,482 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11,482 | $692K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 294 | $194K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,482 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.