| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | ADVISORS LLC 75 STATE ST STE 1710 US BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $237K | $153K | $390K | 5.79% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | BLUE CARE NETWORK OF MICHIGAN | $158K | — | $158K | 2.45% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. NORTHWEST | $6K | — | $6K | 0.23% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. GEORGIA | $50K | — | $50K | 2.32% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $51K | — | $51K | 2.51% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. SO CALIFORNIA | $57K | — | $57K | 2.79% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 75 STATE ST STE 1710 US BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $35K | $19K | $54K | 6.25% |
| 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. MIDATLANTIC | $15K | — | $15K | 2.50% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. HAWAII | $6K | — | $6K | 2.31% |
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 | 26,309 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 985 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | BLUE CARE NETWORK OF MICHIGAN | 988 | $17.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,498 | $1.5M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 28,652 | $7.6M |
| Prescription drug(9 contracts, 9 carriers) | BLUE CARE NETWORK OF MICHIGAN | 988 | $17.2M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8,827 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,652 | — |
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.