| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 750322617 | STANDARD INSURANCE COMPANY | — | $225K | $225K | 1.38% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 750322617 | STANDARD INSURANCE COMPANY | — | $45K | $45K | 1.37% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 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 | 35,716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 747 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 337 | $4.9M |
| Dental(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 89 | $2.4M |
| Vision | VISION SERVICE PLAN | 23,886 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 35,716 | $16.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 18,812 | $3.3M |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 16,175 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,716 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.