| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $18K | — | $18K | 1.70% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $13K | — | $13K | 1.65% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $12K | 4.29% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $1K | — | $1K | 1.65% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $741 | — | $741 | 1.61% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $4K | — | $4K | 12.34% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.15% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $323 | — | $323 | 1.65% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.90% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.53% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STONEHAM, MA 02180 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $503 | — | $503 | 3.54% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 21.23% |
| MFM ADVISORS LLC3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $290 | — | $290 | 20.01% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | 180 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $273K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $273K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $36K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4 | $14K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.