| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 2975 REGENT BLVD IRVING, TX 75063 | HM LIFE INSURANCE COMPANY | $22K | — | $22K | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $14K | $16K | $30K | 5.64% |
| EMPYREAN INSURANCE SERVICES, INC.4 Filed as: EMPYREAN INSURANCE SERVICES INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.00% |
| BUCK GLOBAL LLC3 | 420 LEXINGTON AVE STE 2220 NEW YORK, NY 10160 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | — | $39K | 10.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.66% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| EMPYREAN INSURANCE SERVICES, INC.4 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $1K | $20K | 29.50% |
| EMPYREAN INSURANCE SERVICES, INC.4 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $996 | $13K | 29.99% |
| EMPYREAN INSURANCE SERVICES, INC.4 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $966 | $7K | 16.29% |
| EMPYREAN INSURANCE SERVICES, INC.4 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 770961719 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $3K | $291 | $4K | 13.02% |
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | 1100 REYNOLDS BLVD WINSTON-SALEM, NC 27105 | METLIFE LEGAL PLANS | $0 | $18 | $18 | 0.06% |
| BUCK GLOBAL LLC3 | P O BOX 207640 DALLAS, TX 75320 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $212 | $212 | 1.59% |
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 | 2,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 435 | $108K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,548 | $524K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,190 | $391K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,479 | $1.1M |
| Other(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,548 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,548 | — |
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.