| 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 | — | $36K | $36K | 1.14% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $21K | $21K | 0.66% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 4.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $951 | $5K | 1.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI/WELLS FARGO INSURANCE SERVICES | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | ACE INSURANCE COMPANY | $42K | — | $42K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE INSURANCE COMPANY | $42K | — | $42K | 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 | $575 | — | $575 | 5.85% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 68100 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $235 | — | $235 | 3.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $81 | — | $81 | 1.19% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $344 | — | $344 | 5.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $18 | $108 | 1.65% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 68100 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 6.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $24 | $46 | 1.04% |
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 | 8,459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,315 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 220 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 10,752 | $3.5M |
| Long-term disability(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 8,419 | $3.5M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,459 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,752 | — |
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.