| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | PRUDENTIAL INSURANCE CO OF AMERICA | $170K | — | $170K | 9.22% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | PRUDENTIAL INSURANCE CO OF AMERICA | $36K | — | $36K | 1.96% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVENUE, SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $2K | $2K | 0.08% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.31% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 2.31% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63K | $6K | $69K | 28.43% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | AETNA LIFE INSURANCE COMPANY | $71K | — | $71K | 34.82% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | AETNA LIFE INSURANCE COMPANY | $52K | — | $52K | 25.47% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | ALLSTATE | $20K | — | $20K | 13.58% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $3K | — | $3K | 5.39% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $3K | — | $3K | 4.61% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $272 | $3K | 22.25% |
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 | 3,263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 104 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 842 | $204K |
| Vision | VISION SERVICE PLAN | 2,354 | $460K |
| Life insurance | PRUDENTIAL INSURANCE CO OF AMERICA | 3,266 | $1.8M |
| Short-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 3,266 | $1.8M |
| Long-term disability | PRUDENTIAL INSURANCE CO OF AMERICA | 3,266 | $1.8M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE CO OF AMERICA | 3,266 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,266 | — |
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.