| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW ROAD, 14TH FLOOR CHARLOTTE, NC 28222 | DEARBORN LIFE INSURANCE COMPANY | — | $61K | $61K | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DEARBORN LIFE INSURANCE COMPANY | — | $13K | $13K | 0.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 0.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 0.38% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 3.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 20 CHURCH STREET HARTFORD, CT 06103 | ACE AMERICAN INSURANCE COMPANY | $49K | — | $49K | 18.79% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $386 | — | $386 | 3.82% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $199 | — | $199 | 3.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $60 | — | $60 | 1.04% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $282 | — | $282 | 5.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.83% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 6.48% |
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 | 8,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,358 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 173 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,826 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 10,787 | $3.6M |
| Long-term disability(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 8,432 | $3.6M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,295 | $991K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,787 | — |
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.