| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $43K | $119K | 6.47% |
| BUCK GLOBAL LLC3 | PO BOX 207640 2975 REGENT BLVD IRVING, TX 75063 | HM LIFE INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753202617 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.96% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753202617 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $242 | — | $242 | 2.00% |
| BUCK GLOBAL LLC3 | 11 STANWIX STREET SUITE 700 PITTSBURGH, PA 152221312 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $738 | — | $738 | 14.99% |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,358 | $1.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,427 | $142K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,358 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,358 | $1.8M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 717 | $329K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,358 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,427 | — |
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.