| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | BLUE CARE NETWORK OF MICHIGAN | $157K | — | $157K | 2.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD FAINA GITMAN STE 635 WOODLAND HILLS, CA 91367 | MINNESOTA LIFE INSURANCE COMPANY | $213K | $104K | $317K | 5.19% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. SO CALIFORNIA | $67K | — | $67K | 2.77% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. GEORGIA | $54K | — | $54K | 2.28% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $51K | — | $51K | 2.50% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD FAINA GITMAN STE 635 WOODLAND HILLS, CA 91367 | MINNESOTA LIFE INSURANCE COMPANY | $32K | $18K | $49K | 6.24% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. MIDATLANTIC | $16K | — | $16K | 2.30% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS RD DANBURY, CT 06810 | GEISINGER QUALITY OPTIONS, INC. | $17K | — | $17K | 2.50% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. NORTHWEST | $5K | — | $5K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BOULEVARD, SUITE 635 WOODLANDS, CA 91367 | TRANSAMERICA | $10K | — | $10K | 4.76% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. HAWAII | $4K | — | $4K | 2.22% |
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 | 23,905 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,102 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 10 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,040 | $15.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,446 | $1.2M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 26,393 | $6.9M |
| Prescription drug(10 contracts, 10 carriers) | BLUE CARE NETWORK OF MICHIGAN | 1,040 | $15.5M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8,165 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,393 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.