| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW ROAD, 14TH FLOOR CHARLOTTE, NC 28222 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 0.50% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $0 | $24K | 6.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRIGNIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 4.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | ACE AMERICAN INSURANCE COMPANY | $43K | $0 | $43K | 15.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $42K | $42K | 15.00% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.52% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFIT GROUP, INC. | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $515 | $0 | $515 | 8.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRIGNIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $180 | $0 | $180 | 2.90% |
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 | 8,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,037 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 369 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 10,051 | $3.1M |
| Long-term disability(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,165 | $3.4M |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8,131 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,051 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.