| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DEARBORN LIFE INSURANCE COMPANY | — | $72K | $72K | 2.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $43K | $43K | 1.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 0.52% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 3.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 20 CHURCH STREET HARTFORD, CT 06103 | ACE AMERICAN INSURANCE COMPANY | $40K | — | $40K | 15.00% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $303 | — | $303 | 3.92% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $210 | — | $210 | 3.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $61 | — | $61 | 1.01% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 3.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.80% |
| CLEARY BENEFITS GROUP, INC.3 Filed as: CLEARY BENEFITS GROUP INC | 83 WOOSTER HEIGHTS ROAD DANBURY, CT 06810 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 5.04% |
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 | 8,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,564 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 10,808 | $3.6M |
| Long-term disability(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 8,370 | $3.4M |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 8,423 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,808 | — |
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.