| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | P O BOX 207640 2975 REGENT BLVD IRVING, TX 75063 | HM LIFE INSURANCE COMPANY | $17K | — | $17K | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $51K | $10K | $61K | 12.07% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | 2.01% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10170 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | $13K | $53K | 13.12% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $3K | $16K | 12.06% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 502653566 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $1K | $17K | 29.51% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $794 | $6K | 16.05% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $10K | $768 | $11K | 29.71% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $3K | $1K | $4K | 15.17% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $479 | $479 | 1.79% |
| BUCK GLOBAL LLC3 | P O BOX 207640 DALLAS, TX 75320 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $190 | $190 | 1.96% |
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 | 2,119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 404 | $96K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,714 | $506K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,130 | $404K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,459 | $849K |
| Other(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,714 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,130 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.