| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57K | $57K | 4.70% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $14K | $42K | 5.23% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $172K | — | $172K | 46.48% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. 202167 DALLAS, TX 753202617 | ALLSTATE LIFE INSURANCE COMPANY | $40K | — | $40K | 13.83% |
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 | 15,742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 350 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,871 | $2.4M |
| Vision | VISION SERVICE PLAN | 7,187 | $835K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,272 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,577 | $1.2M |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 7,716 | $439K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,272 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,272 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.