| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $679 | $679 | 1.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL DATA SERVICES EIN 25-1352803 N/A | Contract Administrator Service code 13 | — | $155K |
| MACALA & PIATT, LLC EIN 34-1933033 N/A | Insurance agents and brokers Service code 22 | — | $60K |
| SEGAL CONSULTING EIN 13-1975125 N/A | Actuarial Service code 11 | 333 WEST 34TH STREET NEW YORK, NY 100012402 | $60K |
| PACKER THOMAS EIN 34-1667340 N/A | Accounting (including auditing) Service code 10 | — | $33K |
| SEGALL, BRYANT & HAMILL EIN 41-1788385 N/A | Investment advisory (plan) Service code 27 | 10 SOUTH WACKER DRIVE STE 3500 CHICAGO, IL 60606 | $21K |
| ANDCO CONSULTING, LLC EIN 59-3676225 N/A | Investment advisory (plan) Service code 27 | — | $18K |
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 | 914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 321 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE (UNITED HEALTHCARE) | 0 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,202 | $48K |
| Other(2 contracts, 2 carriers) | MEDICAL MUTUAL | 1,202 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,202 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.