| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $158K | $35K | $192K | 7.52% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK FL 4 QUINCY, MA 021697541 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 0.92% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122K | $9K | $131K | 8.34% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45K | $1K | $46K | 2.96% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $86K | — | $86K | 5.80% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $18K | — | $18K | 1.20% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | EYEMED VISION CARE | $52K | — | $52K | 7.74% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202617 DALLAS, TX 75320 | EYEMED VISION CARE | $5K | — | $5K | 0.68% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $50K | — | $50K | 10.16% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC. | PO BOX 207640 DALLAS, TX 753207640 | NATIONWIDE LIFE INSURANCE COMPANY | $30K | — | $30K | 6.08% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $2K | $35K | 7.28% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $528 | $17K | 3.47% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT INCORPORATED | PO BOX 207640 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $19K | — | $19K | 5.16% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | AMERITAS | $14K | — | $14K | 6.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | AMERITAS | $10K | — | $10K | 4.50% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.02% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.98% |
| 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 | $901 | $2 | $903 | 6.24% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $442 | $1 | $443 | 3.06% |
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 | 7,509 | 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) | 7,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 514 | $487K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,408 | $2.2M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 5,136 | $1.4M |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,693 | $3.5M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,693 | $3.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,693 | $2.6M |
| Prescription drug(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 514 | $516K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 4,657 | $853K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,693 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,693 | — |
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.