| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $365K | — | $365K | 28.30% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN REGION OF COLORADO | $0 | $6K | $6K | 0.52% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $109K | $0 | $109K | 9.84% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $254K | — | $254K | 32.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CONTRACT ADMINISTRATOR | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $7.2M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.0M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMIN SERVICES AGREEMENT | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $2.2M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $1.8M |
| VISION SERVICE PLAN EIN 06-1227840 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $170K |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Claims processing Service code 12 | — | $61K |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 25,389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 222 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 370 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 4,056 | $11.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 7,077 | $1.7M |
| Prescription drug(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 625 | $10.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,077 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.