| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $100K | $100K | 7.88% |
| CONDUENT HR CONSULTING LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.42% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210K | $21K | $231K | 38.04% |
| LOCKTON COMPANIES, LLC3 | THREE CITY PLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. 202167 DALLAS, TX 753202617 | ALLSTATE LIFE INSURANCE COMPANY | $50K | — | $50K | 15.87% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | $9K | — | $9K | 10.04% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | — |
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 | 18,690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,900 | $2.5M |
| Vision | VISION SERVICE PLAN | 7,690 | $893K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 19,521 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,806 | $1.3M |
| Stop-loss / reinsurancereinsurance | PARTNERRE AMERICA INSURANCE COMPANY | 8,101 | $488K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,521 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,521 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.