| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TN 753202617 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 1.72% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. B0X 202617 DALLAS, TX 753202617 | VISION SERVICE PLAN | $21K | — | $21K | 5.00% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $209K | — | $209K | 53.80% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 10.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 75320 | ALLSTATE LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.98% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | DEPT CH 14061 PALATINE, IL 60055 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.01% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 10.11% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $922 | — | $922 | 19.99% |
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 | 11,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 802 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35 | $304K |
| Vision | VISION SERVICE PLAN | 1,922 | $420K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 11,961 | $1.3M |
| Short-term disability(2 contracts) | SHELTERPOINT LIFE INSURANCE COMPANY | 1,739 | $28K |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 11,961 | $1.4M |
| Other(7 contracts, 7 carriers) | AETNA LIFE INSURANCE COMPANY | 11,961 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,961 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.