| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753200001 | METROPOLITAN LIFE INSURANCE COMPANY | $111K | $4K | $115K | 1.89% |
| CORPORATE BENEFIT CONSULTANTS3 | 8500 BROOKTREE ROAD STE 305 WEXFORD, PA 15090 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | $80K | $161K | 2.74% |
| J12 CONCEPTS LLC3 Filed as: J12 CONCEPTS | 2034 SWALLOW HILL ROAD STE 128 PITTSBURGH, PA 15220 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61K | $31K | $92K | 1.56% |
| CORPORATE BENEFIT CONSULTANTS3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $25K | $51K | 3.01% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL | BOX 207640 2975 REGENT BLVD IRVING, TX 75063 | HM LIFE INSURANCE COMPANY | $11K | — | $11K | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIASTAR LIFE INSURANCE COMPANY | $332K | — | $332K | 64.60% |
| J12 CONCEPTS LLC3 Filed as: J12 CONCEPTS, LLC | 2034 SWALLOW HILL #128 PITTSBURGH, PA 15220 | FEDERAL INSURANCE COMPANY | $478 | — | $478 | 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 | 9,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 199 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 20,175 | $6.0M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,638 | $5.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,107 | $1.7M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 8,666 | $551K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9,638 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,175 | — |
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.