| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $26K | — | $26K | 2.30% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $19K | — | $19K | 2.30% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.98% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $11K | $19K | 6.33% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | HARVARD PILGRIM HEALTH CARE OF NE INC - MA | $5K | — | $5K | 2.30% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $1K | — | $1K | 2.30% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $391 | — | $391 | 2.30% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $653 | — | $653 | 5.15% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN ST STE G1 STONEHAM, MA 02180 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $460 | — | $460 | 3.63% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | — | $289 | 19.94% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 192 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $296K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $296K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $355K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $333K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $333K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.