| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | MINNESOTA LIFE INSURANCE COMPANY | $60K | $20K | $79K | 5.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $45K | $13K | $58K | 3.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE & ACCIDENT | $48K | — | $48K | 4.08% |
| BUCK CONSULTANTS LLC3 | DEPT CH 14061 PALATINE, IL 60055 | HARTFORD LIFE & ACCIDENT | $36K | — | $36K | 3.03% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | MINNESOTA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 5.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COM LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | MINNESOTA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 3.54% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | P.O. BOX 741909 ATLANTA, GA 303741909 | CONTINENTAL CASUALTY COMPANY | $363 | — | $363 | 5.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE. STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $111 | — | $111 | 19.96% |
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 | 4,454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5 | $87K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 899 | $316K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,059 | $639K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 4,472 | $1.6M |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 712 | $1.2M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 712 | $1.2M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,915 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,915 | — |
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.