Sign up free to preview 9 contract rows with premium, retention, and renewal dates
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview commissions and fees for 10 broker rows
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRATED BENEFITS GROUP ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | $156K |
| BULFINCH GROUP INSURANCE AGENCY ADMINISTRATOR | Contract Administrator Service code 13 | 160 GOULD STREET SUITE 310 NEEDHAM, MA 02494 | $93 |
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 | 12,297 | 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) | 12,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 347 | $314K |
| Vision | VISION SERVICE PLAN | 289 | $41K |
| Life insurance(2 contracts) | GUARDIAN | 12,297 | $729K |
| Short-term disability(2 contracts) | GUARDIAN | 12,297 | $544K |
| Long-term disability(2 contracts) | GUARDIAN | 375 | $169K |
| Other(4 contracts) | GUARDIAN | 1,432 | $987K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,297 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.