| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $178K | $57K | $235K | 8.46% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $285K | $38K | $323K | 16.43% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $6K | $103K | 5.25% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $76K | — | $76K | 4.65% |
| BUCK CONSULTANTS LLC3 | 120 SOUTH 6TH STREET SUITE 2260 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF PENNSYLVANIA | $39K | — | $39K | 2.35% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77K | $5K | $82K | 12.85% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING | BOX 202617 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $1K | $39K | 6.07% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 75320 | EYEMED VISION CARE | $28K | — | $28K | 4.54% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | EYEMED VISION CARE | $27K | — | $27K | 4.32% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $57K | — | $57K | 10.67% |
| BUCK CONSULTANTS LLC3 | 500 PLAZA DRIVE SECAUCUS, NJ 07096 | NATIONWIDE LIFE INSURANCE COMPANY | $34K | — | $34K | 6.31% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $13K | — | $13K | 5.29% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 10.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 12.92% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.35% |
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 | 7,745 | 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) | 7,745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 543 | $533K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,670 | $2.2M |
| Vision | EYEMED VISION CARE | 5,411 | $618K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,631 | $4.0M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,631 | $3.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,631 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 543 | $574K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 4,949 | $779K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,797 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,797 | — |
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.