| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE | $0 | $121 | $121 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS ADMINISTRATORS, INC. EIN 25-1352803 NONE | Contract Administrator Service code 13 | — | $75K |
| MEYER, UNKOVIC & SCOTT EIN 25-1008021 NONE | Legal Service code 29 | — | $21K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $14K |
| BUCK CONSULTANTS EIN 13-3954297 NONE | Consulting (general) Service code 16 | — | $8K |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts) | UPMC HEALTH OPTIONS | 878 | $7.9M |
| Dental(6 contracts) | UPMC HEALTH BENEFITS | 952 | $297K |
| Vision | HIGHMARK LIFE INSURANCE COMPANY OF NY | 1,313 | $57K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 513 | $72K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 905 | $407K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 905 | $407K |
| Prescription drug(12 contracts) | UPMC HEALTH OPTIONS | 878 | $7.9M |
| Other | METROPOLITAN LIFE INSURANCE | 513 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,313 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.