| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 25TH FLOOR, 99 PARK AVENUE NEW YORK, NY 10016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $724K | — | $724K | 4.01% |
| HARVARD PRINTING GROUP5 | C/O NEWTEK BUSINESS CREDIT PO BOX 380 WEST HEMPSTEAD, NY 11552 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.03% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE | $588K | — | $588K | 20.98% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | ALLSTATE WORKPLACE DIVISION | $141K | — | $141K | 10.00% |
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 | 48,481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 417 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 48,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK | 28,948 | $105.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 58,852 | $0 |
| Vision | VISION SERVICE PLAN | 24,606 | $3.2M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 46,875 | $18.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 46,875 | $18.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58,852 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.