| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $172K | $113K | $285K | 12.43% |
| TOPBENEFITS LLC3 | PO BOX 96002 CHICAGO, IL 606936002 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 0.46% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $109K | — | $109K | 7.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AVALON INSURANCE COMPANY | $31K | — | $31K | 5.49% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753202617 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $49K | — | $49K | 10.74% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC. | PO BOX 207640 DALLAS, TX 753207640 | NATIONWIDE LIFE INSURANCE COMPANY | $26K | — | $26K | 5.94% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $1K | $31K | 7.63% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $387 | $15K | 3.71% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $7K | $38K | 10.03% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $12K | $29K | 7.50% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $5K | $30K | 9.26% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $10K | $23K | 7.16% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 7.08% |
| DIRECTPATCH LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $8K | $17K | 5.94% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | AMERITAS | $9K | — | $9K | 4.50% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.97% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE SUITE 2220 NEW YORK, NY 10170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 16.22% |
| BUCK GLOBAL LLC3 | P O BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $2K | $390 | $3K | 9.57% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | METLIFE LEGAL PLANS | $798 | — | $798 | 2.87% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $910 | — | $910 | 4.59% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 7.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $492 | — | $492 | 4.10% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | FIRST UNUM LIFE INSURANCE COMPANY | $244 | — | $244 | 2.04% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $548 | — | $548 | 10.78% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $27 | $35 | 27.13% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 352331819 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $21 | $26 | 20.16% |
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 | 9,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 2,419 | $1.4M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 6,679 | $1.8M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,246 | $660K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,393 | $3.2M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,393 | $2.9M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,393 | $2.8M |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 172 | $30K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | AVALON INSURANCE COMPANY | 6,483 | $1.0M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,216 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,216 | — |
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.