| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $192K | $31K | $223K | 8.60% |
| TOPBENEFITS LLC3 | 3 BATTERYMARCH PARK FL 4 QUINCY, MA 021697541 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 1.04% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $103K | — | $103K | 7.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $28K | — | $28K | 5.03% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | COMBINED INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 9.91% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC. | PO BOX 207640 DALLAS, TX 753207640 | NATIONWIDE LIFE INSURANCE COMPANY | $27K | — | $27K | 5.95% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $16K | — | $16K | 3.59% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $3K | $42K | 9.87% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $583 | $20K | 4.71% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | AMERITAS | $13K | — | $13K | 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 | $9K | — | $9K | 7.84% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 7.16% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $2K | $19K | 31.95% |
| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.69% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $501 | — | $501 | 1.99% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 8.51% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $609 | — | $609 | 4.20% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $723 | — | $723 | 7.00% |
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 | 7,502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 383 | $446K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 7,192 | $1.7M |
| Vision(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 6,830 | $671K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,844 | $3.5M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,844 | $3.1M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,844 | $2.7M |
| Prescription drug(2 contracts) | NATIONWIDE LIFE INSURANCE COMPANY | 383 | $472K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AVALON INSURANCE COMPANY | 7,306 | $1.0M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,772 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,772 | — |
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.