| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $135K | $82K | $218K | 5.50% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | MINNESOTA LIFE INSURANCE COMPANY | $163K | — | $163K | 5.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | MINNESOTA LIFE INSURANCE COMPANY | $70K | — | $70K | 15.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | BOX 202617 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 10.00% |
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 | 16,557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 16,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANADENTAL INSURANCE COMPANY | 8,475 | $988K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 13,985 | $6.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 10,456 | $4.0M |
| Stop-loss / reinsurancereinsurance | HUMANA | 11,368 | $317K |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 13,985 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,985 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.