| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $169K | — | $169K | 5.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138K | $142K | $280K | 10.09% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $462K | — | $462K | 19.82% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S. RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | AETNA LIFE INSURANCE COMPANY | $87K | — | $87K | 3.74% |
| BUCK GLOBAL LLC3 | 200 BERWYN PARK BERWYN, PA 193121178 | VISION SERVICE PLAN | $87K | — | $87K | 5.00% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 2.01% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 5.04% |
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 | 16,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | JOHN HANCOCK LIFE INSURANCE COMPANY | 275 | $520K |
| Dental | AETNA LIFE INSURANCE COMPANY | 4,079 | $682K |
| Vision | VISION SERVICE PLAN | 12,283 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,393 | $2.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,186 | $3.4M |
| Other(6 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 18,900 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,900 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.