| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $137K | — | $137K | 5.30% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $132K | — | $132K | 5.11% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $965 | $965 | 0.04% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 450 LEXINGTON AVE 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 1.74% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 450 LEXINGTON AVE 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 2.01% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 450 LEXINGTON AVE, WEWORK 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $17K | — | $17K | 2.06% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112K | $9K | $121K | 28.13% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 450 LEXINGTON AVE, WEWORK 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $5K | — | $5K | 1.87% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 15.42% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES LLC | 450 LEXINGTON AVE, WEWORK 4TH FLOOR NEW YORK, NY 10017 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | — | $2K | 1.87% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753207640 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $765 | $5K | 21.44% |
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 | 4,232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 883 | $375K |
| Vision | VISION SERVICE PLAN | 2,989 | $521K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,184 | $2.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,184 | $2.6M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,184 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,184 | — |
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 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.