| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $20K | — | $20K | 1.97% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | HPHC INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $14K | — | $14K | 1.95% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | HPHC INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.18% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, NEW YORK, NY - 10004 | $14K | — | $14K | 5.64% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $5K | — | $5K | 2.05% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $2 | — | $2 | 0.00% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $1K | — | $1K | 1.96% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | HPHC INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MFM ADVISORS LLC6 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $357 | — | $357 | 1.36% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | HPHC INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 19.99% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.88% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $860 | — | $860 | 6.11% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $639 | — | $639 | 4.54% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $27 | — | $27 | 0.67% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | HPHC INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 167 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, NEW YORK, NY - 10004 | 103 | $256K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, NEW YORK, NY - 10004 | 103 | $256K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 43 | $34K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.