| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC. | $190K | — | $190K | 4.85% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165K | — | $165K | 14.59% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138K | — | $138K | 12.13% |
| STEPHANIE A REYNOSO3 | 21 CERVANTES NEWPORT BEACH, CA 92660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 1.19% |
| MIRIAM F HUNGERFORD3 Filed as: MIRIAM F. HUNGERFORD | 33622 HOLTZ HILL ROAD DANA POINT, CA 92629 | CONTINENTAL AMERICAN INSURANCE COMPANY | $463 | — | $463 | 0.04% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC. | $51K | — | $51K | 5.05% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. 207640 DALLAS, TX 753204640 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $36K | — | $36K | 4.34% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | DELTA DENTAL INSURANCE COMPANY | $56K | — | $56K | 10.44% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 753204640 | VISION SERVICE PLAN | $17K | — | $17K | 4.19% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | HYATT LEGAL PLANS OF FLORIDA | $9K | $92 | $9K | 11.29% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE SUITE 200 MIRAMAR, FL 330276310 | HYATT LEGAL PLANS OF FLORIDA | — | $152 | $152 | 0.19% |
| LAWMED INSURANCE GROUP, INC.3 Filed as: LAWMED INSURANCE GROUP | 200 CONGRESS AVENUE UNIT 20F AUSTIN, TX 78701 | SYMANTEC CORPORATION | $8K | — | $8K | 43.09% |
| EXCEPTIONAL SERVICES INC3 Filed as: EXCEPTIONAL BENEFITS, LLC | 7712 SHOAL CREEK BLVD AUSTIN, TN 78757 | SYMANTEC CORPORATION | $3K | — | $3K | 15.67% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O BOX 202617 DALLAS, TX 75320 | IDENTITY REHAB CORPORATION | $2K | — | $2K | 30.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 752302617 | AETNA LIFE INSURANCE COMPANY | $157K | $48K | $205K | — |
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 | 10,716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,096 | $18.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,744 | $539K |
| Vision | VISION SERVICE PLAN | 4,967 | $397K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 10,517 | $0 |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 10,517 | $0 |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 10,517 | $0 |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 198 | $818K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 2,982 | $1.1M |
| Other(6 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 10,517 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,517 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.