| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | WELLPOINT STOP LOSS | $61K | $18K | $79K | 13.00% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AETNA LIFE INSURANCE CO. | $348 | — | $348 | 0.12% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 10.85% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.82% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 2.56% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 75320 | METROPOLITAN GENERAL INSURANCE COMPANY | $50 | $4 | $54 | 10.61% |
| ACS HUMAN RESOURCE SOLUTIONS, INC.3 Filed as: ACS HUMAN RESOURCE SOLUTIONS INC. | DEPT. CH 14061 PALATINE, IL 600554061 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $3 | $3 | 0.59% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 4 | $43K |
| Dental | AETNA LIFE INSURANCE CO. | 602 | $298K |
| Vision | VISION SERVICE PLAN | 206 | $43K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $250K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $90K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 4 | $43K |
| Stop-loss / reinsurancereinsurance | WELLPOINT STOP LOSS | 227 | $606K |
| Other(2 contracts, 2 carriers) | HEALTH AND HUMAN RESOURCE CENTER | 23 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.