| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 231 S BEMISTON AVENUE #400 ST. LOUIS, MO 63105 | CAREFIRST OF MARYLAND, INC. | $0 | $15K | $15K | 0.75% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $13K | $13K | 4.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $4K | $29K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $213 | $2K | $2K | 0.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.67% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.07% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $302 | $4K | 21.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 208171199 | METROPOLITAN LIFE INSURANCE COMPANY | $24 | $141 | $165 | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | — | $129 | 0.73% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $236 | $3K | 20.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR #500 BETHESDA, MD 208171199 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | $115 | $122 | 0.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $105 | — | $105 | 0.66% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $1K | $107 | $2K | 11.63% |
| THE MELTZGER GROUP LLC3 | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | METLIFE LEGAL PLANS | $0 | $142 | $142 | 1.03% |
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $0 | $18 | $18 | 0.13% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $692 | — | $692 | 6.09% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $160 | $2K | 19.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR #500 SUITE 410 BETHESDA, MD 208171199 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | $73 | $80 | 0.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $75 | — | $75 | 0.70% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | CAREFIRST OF MARYLAND, INC. | 439 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $264K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $282K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $144K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $101K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $92K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 439 | $3.9M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.