| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $29K | $5K | $34K | 5.16% |
| BUCK GLOBAL LLC3 | PO BOX - 207640 DALLAS, TX 753207640 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $3K | $23K | 5.67% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753204640 | VISION SERVICE PLAN | $14K | — | $14K | 4.53% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | — | $25K | 12.39% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 207640 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 2.42% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 207640 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 2.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK | MANAGEMENT SERVICES, INC. 250 PARK AVE. 5TH FL. NEW YORK, NY 10177 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 2,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 364 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 19 | $220K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,001 | $199K |
| Vision | VISION SERVICE PLAN | 1,500 | $315K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,287 | $667K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,028 | $412K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,287 | $907K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,287 | — |
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.