| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOMINIC CARRADERO3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $118K | — | $118K | 1.94% |
| CLARITY BENEFIT CONSULTING LLC3 Filed as: CLARITY INSURANCE SOLUTIONS, LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $118K | — | $118K | 1.94% |
| DOMINIC CARRADERO3 | 6855 VIA DEL ORO SAN JOSE, CA 95119 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 2.44% |
| CLARITY WEALTH ADVISORS LLC3 | 2580 NORTH FIRST STREET SUITE 130 SAN JOSE, CA 95131 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 2.44% |
| CLARITY WEALTH ADVISORS LLC3 | 2580 N 1ST ST STE 130 SAN JOSE, CA 951311050 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 6.51% |
| DOMINIC CARRADERO3 | 6855 VIA DEL ORO SAN JOSE, CA 951191315 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 6.51% |
| DOMINIC CARRADERO3 | 6855 VIA DEL ORO SAN JOSE, CA 951191315 | VISION SERVICE PLAN | $2K | — | $2K | 1.04% |
| CLARITY WEALTH ADVISORS LLC3 | 2580 N 1ST ST STE 130 SAN JOSE, CA 951311050 | VISION SERVICE PLAN | $2K | — | $2K | 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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,801 | $6.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,877 | $730K |
| Vision | VISION SERVICE PLAN | 754 | $180K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $359K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $359K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $359K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,111 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,877 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.