| 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 | $251K | $163K | $414K | 5.80% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | BLUE CARE NETWORK OF MICHIGAN | $144K | — | $144K | 2.41% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. SO CALIFORNIA | $59K | — | $59K | 2.48% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. GEORGIA | $47K | — | $47K | 2.27% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $47K | — | $47K | 2.46% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 75 STATE ST STE 1710 US BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $37K | $21K | $58K | 6.26% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. MIDATLANTIC | $13K | — | $13K | 2.29% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. NORTHWEST | $6K | — | $6K | 2.23% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. HAWAII | $6K | — | $6K | 2.28% |
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 | 28,490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 936 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | BLUE CARE NETWORK OF MICHIGAN | 945 | $13.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,813 | $1.5M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 30,150 | $8.1M |
| Prescription drug(8 contracts, 8 carriers) | BLUE CARE NETWORK OF MICHIGAN | 945 | $13.7M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,206 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,150 | — |
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.