| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $198K | $79K | $277K | 10.78% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $100K | — | $100K | 7.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $40K | — | $40K | 7.21% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | NATIONWIDE LIFE INSURANCE COMPANY | $37K | — | $37K | 6.93% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $45K | — | $45K | 9.18% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $8K | $31K | 8.75% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $8K | $20K | 5.76% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $7K | $28K | 8.84% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $7K | $18K | 5.79% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $6K | $20K | 7.84% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $6K | $13K | 5.27% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | AMERITAS | $12K | — | $12K | 5.34% |
| BUCK GLOBAL LLC3 | 500 PLAZA DR. SECAUCUS, NJ 07096 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 12.79% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $4K | $421 | $5K | 13.01% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST. SOUTH STE 102 BIRMINGHAM, AL 35233 | METLIFE LEGAL PLANS | — | $118 | $118 | 0.32% |
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | — | $18 | $18 | 0.05% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 6.99% |
| OPTAVISE, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $176 | $3K | 15.20% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVE. STE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $57 | $2K | 7.36% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $643 | — | $643 | 3.83% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVE. STE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | — | $278 | 1.66% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | 2.88% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 1.44% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 32.35% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 14.71% |
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 | 7,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 2,221 | $1.5M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 6,646 | $1.7M |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,208 | $724K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,103 | $3.1M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,103 | $2.7M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,103 | $3.1M |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 233 | $39K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AVALON INSURANCE COMPANY | 6,537 | $1.1M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,899 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,899 | — |
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.