| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | P O BOX 207640 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE | $0 | $22 | $22 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS ADMINISTRATORS, INC. EIN 25-1352803 NONE | Contract Administrator Service code 13 | — | $81K |
| BUCK GLOBAL, LLC NONE | Consulting (general) Service code 16 | 11 STANWIX STREET PITTSBURGH, PA 15222 | $23K |
| DICLAUDIO & KRAMER, LLC EIN 27-0889793 NONE | Accounting (including auditing) Service code 10 | — | $15K |
| MEYER, UNKOVIC & SCOTT EIN 25-1008021 NONE | Legal Service code 29 | — | $15K |
| MARINER INSTITUTIONAL, LLC EIN 59-3676225 NONE | Investment advisory (plan) Service code 27 | — | $14K |
| AMERISERV TRUST & FIN'L SVCS CO NONE | Investment management fees paid indirectly by plan; Custodial (securities) Service code 19 | 216 FRANKLIN STREET JOHNSTOWN, PA 15907 | $10K |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | UPMC HEALTH OPTIONS | 939 | $8.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,104 | $374K |
| Vision(3 contracts) | UPMC HEALTH BENEFITS | 1,240 | $97K |
| Life insurance | METROPOLITAN LIFE INSURANCE | 483 | $69K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 933 | $605K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 933 | $605K |
| Prescription drug(6 contracts) | UPMC HEALTH OPTIONS | 939 | $8.8M |
| Other | METROPOLITAN LIFE INSURANCE | 483 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,240 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.