| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $37K | $37K | 1.74% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10160 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81K | — | $81K | 5.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $28K | $28K | 1.74% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $189K | — | $189K | 20.96% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | AETNA LIFE INSURANCE CO. | $127K | — | $127K | 14.06% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 1.88% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 1.78% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH UNIT C MANASQUAN, NJ 08736 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 10.50% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 19610 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 077193502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 1.71% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.74% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63K | — | $63K | 42.89% |
| TOMPKINS INSURANCE3 Filed as: TOMPKINS INSURANCE AGENICES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $739 | $26K | 17.66% |
| ANDREW RUBIN3 Filed as: ANDREW A GOLDMAN | RUBINGOLDMAN AND ASSOCIATES 40 MONUMENT ROAD BALA CYNWYD, PA 19004 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 9.30% |
| HEALTH A HOLT3 | 304 FULTON STREET PHILADELPHIA, PA 19147 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.15% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.59% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $884 | $884 | 2.32% |
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 | 4,907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AETNA LIFE INSURANCE CO. | 9,516 | $920K |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 9,516 | $850K |
| Vision | AETNA LIFE INSURANCE CO. | 9,516 | $838K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,933 | $2.2M |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,023 | $751K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,925 | $1.6M |
| Other(5 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 4,934 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,516 | — |
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.