| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 02180 | HPHC INSURANCE COMPANY | $27K | — | $27K | 2.02% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $21K | — | $21K | 1.99% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $8K | $37K | 6.41% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | HPHC INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.25% |
| MFM ADVISORS LLC DBA BLUE HORIZON B3 | 27 GARDEN STREET SUITE 1A DANVERS, MA 01923 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $729 | — | $729 | 6.98% |
| INTEGRATED BENEFITS GROUP3 Filed as: INTEGRATED BENEFITS GROUP INSURANCE | 271 MAIN STREET STE G1 STONEHAM, MA 02180 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 3.22% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 193 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $572K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $572K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $582K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $582K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $572K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $606K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.