| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC. | 83 WOOSTER HEIGHTS RD DANBURY, CT 06810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $304K | $0 | $304K | 2.65% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC. | 83 WOOSTER HEIGHTS DANBURY, CT 06810 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $741 | $0 | $741 | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 20.00% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC. | 83 WOOSTER HEIGHTS DANBURY, CT 06810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2 | $0 | $2 | 2.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $7.2M |
| AETNA BEHAVORIAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $210K |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $19K |
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 | 12,917 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 13,784 | $1.2M |
| Vision | AETNA LIFE INSURANCE CO. | 13,784 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,857 | $11.4M |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,857 | $11.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 13,857 | $11.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 11,978 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,857 | — |
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."
No prospect flags tripped on this filing.