| 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 | $12K | $15K | $27K | 3.74% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90K | $0 | $90K | 15.00% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.31% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN STREET STE G1 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 5.11% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROOUP | 271 MAIN ST STE G1 STTONEHAM, MA 02180 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 9.09% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DR SUITE 200 CAMDEN, NJ 81031 | UNITEDHEALTHCARE INSURANCE COMPANY | $10 | $0 | $10 | 0.01% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE | $5K | $0 | $5K | 4.04% |
| INTEGRATED BENEFITS GROUP3 | 276 MAIN ST STONEHAM, MA 02180 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.40% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $11K | 16.78% |
| 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 | $177K |
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 | 12,573 | 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) | 12,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,342 | $187K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,371 | $718K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,573 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12,573 | $841K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE | 323 | $195K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,573 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.