| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | 500 PLAZA DR SECAUCUS, NJ 07096 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | 0.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBBAL, LLC | BOX 207640 DALLAS, TX 75320 | ARAG INSURANCE COMPANY | $82K | — | $82K | 13.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10017 | ZURICH AMERICAN INSURANCE COMPANY | $67K | — | $67K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $22K | $22K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD SUITE 250 DUBLIN, OH 43017 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 12.07% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHOMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $2K | $2K | 3.91% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10017 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.93% |
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 | 7,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,562 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,617 | $13.6M |
| Other(3 contracts, 2 carriers) | ARAG INSURANCE COMPANY | 7,004 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,004 | — |
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.