| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | PRUDENTIAL INSURANCE CO OF AMERICA | $233K | — | $233K | 9.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE CO OF AMERICA | $43K | — | $43K | 1.70% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $2K | $2K | 0.06% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.61% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | AETNA LIFE INSURANCE COMPANY | $155K | — | $155K | 39.05% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.44% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | ALLSTATE | $236K | — | $236K | 71.30% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | ALLSTATE | $29K | — | $29K | 13.92% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | ALLSTATE | $9K | — | $9K | 71.01% |
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 | 4,772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA HEALTH PLAN | 0 | $4K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,555 | $398K |
| Vision | VISION SERVICE PLAN | 3,066 | $540K |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 4,778 | $2.5M |
| Short-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 4,778 | $2.5M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 4,778 | $2.5M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE CO OF AMERICA | 4,778 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,778 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.