| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $247K | $47K | $293K | 6.89% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74K | $138K | $212K | 5.75% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $636K | $49K | $684K | 21.86% |
| JERRY MANNING3 | 220 NORTH SOUTH GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 1.42% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 NORTH ILLINOIS, SUITE 110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 0.57% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $142K | $0 | $142K | 9.68% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON INSURANCE, INC. | 270 MUNOZ RIVERA AVENUE PH-1 MCVAL BUILDING SAN JUAN, PR 00918 | HUMANA INSURANCE OF PUERTO RICO, INC. | $11K | $0 | $11K | 5.02% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $575 | $575 | 2.20% |
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 | 17,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 230 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,501 | $11.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 4,539 | $1.1M |
| Vision(3 contracts, 3 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 23,836 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,301 | $7.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13,721 | $3.7M |
| Prescription drug(9 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,501 | $11.4M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17,341 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,836 | — |
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.