| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | SYMETRA LIFE INSURANCE CO. | $70K | $74K | $144K | 18.60% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 753202617 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.25% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753202617 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $5K | 2.61% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.36% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.71% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $65 | $26 | $91 | 12.83% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 8 | $52K |
| Dental | AETNA LIFE INSURANCE CO. | 633 | $312K |
| Vision | VISION SERVICE PLAN | 214 | $42K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $206K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $77K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 8 | $52K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE CO. | 229 | $773K |
| Other(2 contracts, 2 carriers) | HEALTH AND HUMAN RESOURCE CENTER | 120 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.