| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.03% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | GUARDIAN | $5K | $0 | $5K | 1.67% |
| CORPORATE PLANS, LLC3 Filed as: CORPORATE PLANS INC | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | GUARDIAN | $2K | $0 | $2K | 0.50% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | GUARDIAN | $16K | $0 | $16K | 7.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 RT 34 BELMAR, NJ 07719 | GUARDIAN | $7K | $0 | $7K | 3.30% |
| COPORATE PLANS INC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | GUARDIAN | $2K | $0 | $2K | 0.97% |
| INTEGRATED BENEFITS GROUP3 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | GUARDIAN | $3K | $0 | $3K | 7.55% |
| COPORATE PLANS INC3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | GUARDIAN | $1K | $0 | $1K | 2.88% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1800 RT 34 SUITE 2 BELMAR, NJ 07719 | GUARDIAN | $383 | $0 | $383 | 0.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRATED BENEFITS GROUP ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 271 MAIN ST SUITE G1 STONEHAM, MA 02180 | $26K |
| JAMES R NELLIGAN & ASSOC ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 1800 RT 34 BLDG 4 SUITE 404A WALL, NJ 07719 | $8K |
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 | 1,268 | 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) | 1,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 482 | $313K |
| Vision | VISION SERVICE PLAN | 427 | $5.3M |
| Life insurance | GUARDIAN | 1,268 | $223K |
| Short-term disability | GUARDIAN | 150 | $42K |
| Long-term disability | GUARDIAN | 150 | $42K |
| Other | GUARDIAN | 1,268 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.