| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRE BENEFITS3 Filed as: HIRE BENEFITS INC. | 5880 LIVE OAK PKWY SUITE 250 NORCROSS, GA 300931740 | RELIASTAR LIFE INSURANCE COMPANY | $105K | — | $105K | 5.00% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 1.02% |
| HIRE BENEFITS3 Filed as: HIRE BENEFITS, INC. | 5880 LIVE OAK PKWY SUITE 250 NORCROSS, GA 30093 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TN 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405K | — | $405K | 69.08% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | — | $42K | 14.87% |
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 | 10,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 149 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,843 | $867K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 12,393 | $2.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,311 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,311 | $1.3M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 8,898 | $915K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 12,393 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,393 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.