| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $180K | $29K | $209K | 7.97% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK FL 4 QUINCY, MA 021697541 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 0.95% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $104K | — | $104K | 7.63% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $25K | — | $25K | 5.12% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | EYEMED VISION CARE | $41K | — | $41K | 8.35% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $49K | — | $49K | 9.97% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC. | PO BOX 207640 DALLAS, TX 753207640 | NATIONWIDE LIFE INSURANCE COMPANY | $29K | — | $29K | 6.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $1K | $29K | 6.63% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $515 | $14K | 3.23% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 8.22% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $327 | $11K | 2.94% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | AMERITAS | $15K | — | $15K | 6.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | AMERITAS | $11K | — | $11K | 4.50% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.96% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.04% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $461 | — | $461 | 3.48% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $228 | — | $228 | 1.72% |
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 | 7,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 521 | $490K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF PENNSYLVANIA | 4,466 | $2.1M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE | 6,880 | $1.2M |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,903 | $3.6M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,903 | $3.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,903 | $2.6M |
| Prescription drug(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 521 | $519K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AVALON INSURANCE COMPANY | 4,666 | $984K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,452 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,452 | — |
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.