| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | ALLSTATE | $424K | — | $424K | 61.16% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | ALLSTATE WORKPLACE DIVISION | $101K | — | $101K | 16.11% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | ALLSTATE | $85K | — | $85K | 37.96% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | -$24 | $3K | 3.37% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $896 | — | $896 | 0.93% |
| DAVISON, JAMES, DUNCAN3 | 1820 E 1ST ST STE 400 SANTA ANA, CA 92868 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $552 | — | $552 | 0.57% |
| CASS, RICHARD, S3 | CO/ EOI SERVICE COMPANY 900 N FRANKLIN STE 600 CHICAGO, IL 60610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.05% |
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 753202617 | ALLSTATE | $1K | — | $1K | 72.95% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DE INC | LOCKBOX #28852 PO BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $12 | — | $12 | 5.02% |
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 | 7,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 223 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 47 | $158K |
| Other(6 contracts, 4 carriers) | ALLSTATE | 2,868 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,868 | — |
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.