| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 753207640 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.30% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 2.86% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81K | — | $81K | 10.21% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150K | $7K | $156K | 27.41% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $113K | $16K | $129K | 29.79% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 300 CONNELL DRIVE SUITE 1100 BERKELY HEIGHTS, NJ 07922 | SHELTERPOINT LIFE INSURANCE COMPANY | $15K | — | $15K | 3.79% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | SHELTERPOINT LIFE INSURANCE COMPANY | $8K | — | $8K | 1.99% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 202617 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $24K | $4K | $28K | 17.65% |
| BENEFIT FOCUS3 | DEPT 3383 P.O. BOX 123383 DALLAS, TX 753123383 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.12% |
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 | 51,303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 51,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 3,345 | $3.0M |
| Vision | VISION SERVICE PLAN | 7,004 | $829K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 17,505 | $1.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,415 | $1.5M |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 11,303 | $512K |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 51,396 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 51,396 | — |
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.