| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | DPT. CH 14061 PALATINE, IL 60055 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 2.93% |
| PETER JONES3 | 1336 DENNINGS RD. NEW WINDSOR, MD 21776 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | $3K | — | $3K | 0.74% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $5K | $38K | 11.91% |
| PETER JONES3 Filed as: PETER C. JONES | 1336 DENNINGS RD. NEW WINDSOR, MD 21776 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 3.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.29% |
| PETER JONES3 | 1336 DENNINGS RD. NEW WINDSOR, MD 21776 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.49% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $301 | $230 | $531 | 0.21% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $132 | $132 | 0.05% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | DPT. CH 14061 PALATINE, IL 60055 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 2.89% |
| PETER JONES3 | 1336 DENNINGS RD. NEW WINDSOR, MD 21776 | DELTA DENTAL OF TENNESSEE | $1K | — | $1K | 0.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | $1K | — | $1K | 0.75% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | 231 SO BEMISTON STE 400 ST. LOUIS, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 6.23% |
| PETER JONES3 | 1336 DENNING ROAD NEW WINDSOR, MD 21776 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $866 | — | $866 | 1.70% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.73% |
| PETER JONES3 Filed as: PETER C. JONES | 1336 DENNINGS RD. NEW WINDSOR, MD 21776 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $353 | — | $353 | 3.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $301 | — | $301 | 2.77% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 804 | $576K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,349 | $247K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 789 | $317K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,349 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,349 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.