| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, 14TH FLOOR CHARLOTTE, NC 28222 | DEARBORN LIFE INSURANCE COMPANY | $31K | — | $31K | 1.03% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $127K | $127K | 5.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $21K | $40K | 10.45% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 68100 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 4.63% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | ACE AMERICAN INSURANCE COMPANY | $40K | $0 | $40K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $40K | $0 | $40K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 68100 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 4.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $573 | $509 | $1K | 17.22% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 68100 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $217 | $0 | $217 | 3.45% |
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 | 8,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,138 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 339 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 10,613 | $3.4M |
| Long-term disability(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 8,390 | $2.9M |
| Other(4 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8,453 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,613 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.