| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $21K | — | $21K | 2.18% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $15K | — | $15K | 2.18% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $7K | — | $7K | 2.18% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.22% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 5.79% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $541 | — | $541 | 2.48% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 18.51% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $429 | — | $429 | 2.18% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.76% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.88% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 276 MAIN STREET STONEHAM, MA 02180 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $653 | — | $653 | 4.34% |
No Schedule C service providers reported on this filing.
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 169 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $233K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $233K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $309K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $291K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 109 | $291K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.