| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | BOX 202617 DALLAS, TX 75320 | ALLSTATE WORKPLACE DIVISION | $115K | — | $115K | 15.00% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 753202617 | ALLSTATE | $324K | $37K | $361K | 58.02% |
| CONDUENT HR CONSULTING LLC3 | BOX 202617 DALLAS, TX 753202617 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68K | $8K | $75K | 32.18% |
| 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 | $10 | — | $10 | 5.03% |
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 | 7,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 242 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 56 | $252K |
| Other(4 contracts, 4 carriers) | ALLSTATE WORKPLACE DIVISION | 2,343 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,343 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.