| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $146K | $51K | $197K | 6.85% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $296K | $43K | $339K | 19.10% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | $6K | $96K | 5.42% |
| BUCK CONSULTANTS LLC3 | 120 SOUTH 6TH STREET SUITE 2260 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF PENNSYLVANIA | $98K | — | $98K | 6.43% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74K | $9K | $82K | 13.12% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | $3K | $39K | 6.19% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 242617 DALLAS, TX 75320 | EYEMED VISION CARE | $56K | — | $56K | 10.80% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE | $51K | — | $51K | 10.71% |
| BUCK CONSULTANTS LLC3 | 500 PLAZA DRIVE SECAUCUS, NJ 07096 | NATIONWIDE LIFE INSURANCE | $30K | — | $30K | 6.33% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $14K | — | $14K | 6.66% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH SS S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $6 | $3K | 13.11% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $4 | $1K | 6.42% |
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 | 7,098 | 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) | 7,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE | 593 | $477K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,769 | $2.0M |
| Vision | EYEMED VISION CARE | 5,224 | $514K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,261 | $4.0M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,261 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,261 | $2.9M |
| Prescription drug | NATIONWIDE LIFE INSURANCE | 593 | $477K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE | 5,095 | $692K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,261 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.