Welfare broker

INTEGRATED BENEFITS GROUP

Mailing address (most recent filing)

271 MAIN STREET

STONEHAM, MA 02180

Total comp: $408K
Commissions: $385K
Fees: $23K
Filings: 12
Sponsors: 12

Carrier mix

Where INTEGRATED BENEFITS GROUP places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	2	$1.6M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NJ	1	$1.2M	0.0%	23.18x
MA	1	$368K	0.0%	23.11x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of INTEGRATED BENEFITS GROUP's plans by broker comp / premium ratio. Median 6.35% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of INTEGRATED BENEFITS GROUP's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where INTEGRATED BENEFITS GROUP is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
STUDENT TRANSPORTATION OF AMERICA STUDENT TRANSPORTATION OF AMERICA HEALTH AND WELFARE (WRAP) PLAN	NJ	$1.2M	$54K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
ACADIAN ASSET MANAGEMENT LLC GUARDIAN LIFE, AD&D, STD & LTD PLAN	MA	$368K	$30K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$1.6M

100.0%

State

Plans

Premium

State share

Index

$1.2M

0.0%

23.18x

$368K

0.0%

23.11x

Sponsor

Loc

Premium

Comp

Carrier

STUDENT TRANSPORTATION OF AMERICA

STUDENT TRANSPORTATION OF AMERICA HEALTH AND WELFARE (WRAP) PLAN

$1.2M

$54K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

ACADIAN ASSET MANAGEMENT LLC

GUARDIAN LIFE, AD&D, STD & LTD PLAN

$368K

$30K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA