| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISOR | ADVISOR LLC 75 STATE ST. STE 1710 US BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $285K | $196K | $481K | 5.56% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | BLUE CARE NETWORK OF MICHIGAN | $149K | — | $149K | 2.61% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. SO CALIFORNIA | $54K | — | $54K | 2.61% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. CALIFORNIA | $50K | — | $50K | 2.49% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. GEORGIA | $45K | — | $45K | 2.50% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS | ADVISORS LLC 75 STATE ST STE 1710 US BOSTON, MA 02109 | SECURIAN LIFE INSURANCE COMPANY | $45K | $25K | $70K | 6.24% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. MIDATLANTIC | $11K | — | $11K | 2.28% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. NORTHWEST | $8K | — | $8K | 2.53% |
| CLEARY BENEFITS GROUP, INC.3 | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | KAISER FOUNDATION HEALTH PLAN, INC. HAWAII | $5K | — | $5K | 2.58% |
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 | 33,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 722 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 34,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | BLUE CARE NETWORK OF MICHIGAN | 684 | $12.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8,635 | $1.7M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 54,963 | $9.8M |
| Prescription drug(8 contracts, 8 carriers) | BLUE CARE NETWORK OF MICHIGAN | 684 | $12.9M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,147 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,963 | — |
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.