| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC. (GA) | PO BOX 202617 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $810K | — | $810K | 23.42% |
| JAMES J BATTERBURY3 | 1726 W LAS OLAS BLVD #B FORT LAUDERDALE, FL 33312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102K | — | $102K | 2.94% |
| ACS HUMAN RESOURCE SOLUTIONS, INC.3 Filed as: ACS HUMAN RESOURCES SOLUTIONS, INC. | BUCK CONSULTANTS, LLC 500 PLAZA DRIVE SECAUCUS, NJ 07096 | HYATT LEGAL PLANS | $42K | — | $42K | 9.12% |
| ACS HUMAN RESOURCE SOLUTIONS, INC.3 Filed as: ACS HUMAN RESOURCES SOLUTIONS, INC. | BUCK CONSULTANTS, LLC PO BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | $4K | — | $4K | 0.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AT WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $37 | $37 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 8.35% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 75320 | GENWORTH LIFE INSURANCE COMPANY | $516 | — | $516 | 1.57% |
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 | 7,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,650 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,650 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.