| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $168K | $36K | $204K | 7.51% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147K | $11K | $159K | 8.75% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | $2K | $57K | 3.12% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $111K | — | $111K | 7.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $4K | $55K | 9.28% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $990 | $26K | 4.34% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | EYEMED VISION CARE | $38K | — | $38K | 6.56% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 75320 | EYEMED VISION CARE | $25K | — | $25K | 4.22% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $59K | — | $59K | 10.66% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC. | PO BOX 207640 DALLAS, TX 753207640 | NATIONWIDE LIFE INSURANCE COMPANY | $35K | — | $35K | 6.30% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT INCORPORATED | PO BOX 202617 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $14K | — | $14K | 5.24% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 10.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $7 | $2K | 8.17% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | FIRST UNUM LIFE INSURANCE COMPANY | $748 | $1 | $749 | 3.98% |
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 | 7,786 | 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) | 7,786 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 536 | $550K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,496 | $2.1M |
| Vision | EYEMED VISION CARE | 6,367 | $585K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,130 | $3.9M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,130 | $3.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,130 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 536 | $578K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 4,815 | $818K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,130 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,130 | — |
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.