| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $116K | $76K | $193K | 8.36% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $230K | $26K | $256K | 16.54% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $6K | $103K | 6.67% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | 120 SOUTH 6TH STREET SUITE 2260 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF PENNSYLVANIA | $91K | — | $91K | 6.23% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81K | $3K | $83K | 12.74% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | — | $39K | 5.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS | 600 HIGHWAY 169 SOUTH #1200 ST. LOUIS, MN 55426 | EYEMED VISION CARE | $29K | — | $29K | 5.06% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 753202617 | EYEMED VISION CARE | $13K | — | $13K | 2.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | WF MIDSOUTH REG PO BOX 3727 NORFOLK, VA 23514 | EYEMED VISION CARE | $9K | — | $9K | 1.51% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $42K | — | $42K | 11.22% |
| BUCK CONSULTANTS LLC3 | 500 PLAZA DRIVE SECAUCUS, NJ 07096 | NATIONWIDE LIFE INSURANCE | $25K | — | $25K | 6.63% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $16K | — | $16K | 7.50% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | -$2 | $3K | 14.01% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.81% |
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 | 5,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE | 751 | $370K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,118 | $1.8M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 4,750 | $944K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,761 | $3.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,761 | $2.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,761 | $2.3M |
| Prescription drug | NATIONWIDE LIFE INSURANCE | 751 | $370K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 4,556 | $210K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,761 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,761 | — |
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.
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.