| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 753202617 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS ADMINISTRATORS, INC EIN 25-1352803 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 60 BLVD OF ALLIES, 5TH FLOOR PITTSBURGH, PA 15222 | $106K |
| BUCK CONSULTANTS NONE | Actuarial; Consulting (general) Service code 11 | — | $101K |
| CAREFIRST EIN 52-1330940 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | — | $99K |
| MOONEY,GREEN,SAINDON,MURPHY&WELC PC EIN 52-1958229 NONE | Legal; Direct payment from the plan Service code 29 | — | $33K |
| CALIBRE CPA GROUP NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 7501 WISCONSIN AVE STE 1200 WEST BETHESDA, MD 20814 | $28K |
| PNC BANK EIN 22-1146430 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $12K |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF THE DISTRICT OF COLUMBIA | 107 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS | 0 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $113K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.