| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $42K | $42K | 2.90% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10160 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $57K | — | $57K | 5.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $33K | $33K | 2.92% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 BLDG C2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE CO. | $212K | — | $212K | 24.96% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | AETNA LIFE INSURANCE CO. | $143K | — | $143K | 16.88% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 1.95% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16K | $16K | 3.06% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 2.89% |
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 | 5,102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AETNA LIFE INSURANCE CO. | 9,922 | $930K |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 9,922 | $851K |
| Vision | AETNA LIFE INSURANCE CO. | 9,922 | $842K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,975 | $1.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,017 | $506K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,986 | $1.1M |
| Prescription drug | CVS PHARMACY, INC | 3 | $7K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 4,975 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,922 | — |
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.