| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | RELIASTAR LIFE INSURANCE COMPANY | — | $58K | $58K | 2.59% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TN 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233K | $30K | $263K | 35.13% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55K | — | $55K | 14.86% |
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 | 10,162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 263 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,831 | $1.1M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,217 | $2.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,136 | $778K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,136 | $778K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 20,744 | $1.1M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,222 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,744 | — |
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.