| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $696K | $64K | $760K | 3.98% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $344K | $0 | $344K | 1.80% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES, LLC | 100 CAMPUS DRIVE, SUITE 200 FLORHAM PARK, NJ 07932 | VISION SERVICE PLAN | $38K | $0 | $38K | 1.08% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES, LLC | 450 LEXINGTON AVENUE, 4TH FLOOR NEW YORK, NY 10170 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $67K | $19K | $86K | 2.59% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES, LLC | 450 LEXINGTON AVENUE, 4TH FLOOR NEW YORK, NY 10170 | KAISER FOUNDATION HEALTH PLAN INC. | $63K | $0 | $63K | 2.52% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC. | $29 | $0 | $29 | 0.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $530K | $0 | $530K | 25.63% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | $0 | $566 | 0.03% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $556K | $49K | $606K | 44.88% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $628 | $0 | $628 | 0.05% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $52K | $0 | $52K | 7.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | ARAG INSURANCE COMPANY | $21K | $0 | $21K | 2.89% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT SECURITIES, LLC | 450 LEXINGTON AVENUE, 4TH FLOOR NEW YORK, NY 10170 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $6K | $0 | $6K | 2.00% |
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 | 22,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 673 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,008 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 579 | $8.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 222 | $2.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 13,812 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23,464 | $20.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23,464 | $19.1M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 579 | $6.8M |
| Other(7 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23,583 | $26.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,583 | — |
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.