| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $231K | $63K | $293K | 5.39% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $180K | $53K | $233K | 5.04% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148K | $9K | $157K | 17.29% |
| BUCK GLOBAL LLC3 | BOX 207640 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $12K | $12K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE CO. | $44K | — | $44K | 6.64% |
| BUCK GLOBAL LLC3 | P.O. BOX 202617 DALLAS, TX 75320 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 2.65% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87K | $5K | $93K | 16.85% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSIONS LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $34K | $4K | $38K | 10.99% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | — | $6K | $6K | 1.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 1 UPPER POND RD, BLDG F PARSIPPANY, NJ 07054 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.01% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 100 GALLERIA PARKWAY, SE SUITE 1060 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 24,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 472 | $5.5M |
| Dental | AETNA LIFE INSURANCE CO. | 1,915 | $672K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 33,667 | $5.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 24,538 | $4.6M |
| Prescription drug(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 472 | $5.5M |
| Other(7 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 63,165 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63,165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.