| 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 | $25K | — | $25K | 1.76% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158K | — | $158K | 32.99% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. B0X 202617 DALLAS, TX 753202617 | VISION SERVICE PLAN | $23K | — | $23K | 5.00% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 75320 | ALLSTATE LIFE INSURANCE COMPANY | $25K | — | $25K | 15.01% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | $7K | $1K | $9K | 12.14% |
| BUCK CONSULTANTS LLC3 | P.O. BOX 202617 DALLAS, TX 753202617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 10.08% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | 485 LEXINGTON AVENUE 10TH FLOOR NEW YORK, NY 10017 | ZURICH AMERICAN INSURANCE COMPANY | $777 | — | $777 | 15.00% |
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 | 13,340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,132 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 35 | $413K |
| Vision | VISION SERVICE PLAN | 2,370 | $455K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 13,340 | $1.5M |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 1,554 | $24K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 13,340 | $1.5M |
| Other(8 contracts, 8 carriers) | AETNA LIFE INSURANCE COMPANY | 13,340 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,340 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.