| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 75320 | RELIASTAR LIFE INSURANCE CO. | $77K | $44K | $120K | 15.71% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753207640 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.23% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 753202617 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 9.22% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.22% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | PO BOX 207640 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.22% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $22 | $2 | $24 | 12.06% |
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | P.O. BOX 207640 DALLAS, TX 753207640 | METLIFE LEGAL PLANS | — | $18 | $18 | 9.05% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 753207640 | METROPOLITAN GENERAL LIFE INSURANCE COMPANY | $19 | $2 | $21 | 10.55% |
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | P.O. BOX 207640 DALLAS, TX 753202617 | METROPOLITAN GENERAL LIFE INSURANCE COMPANY | — | $18 | $18 | 9.05% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 643 | $396K |
| Dental | AETNA LIFE INSURANCE CO. | 643 | $334K |
| Vision | VISION SERVICE PLAN | 224 | $45K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $274K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $95K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 6 | $62K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE CO. | 174 | $767K |
| Other(3 contracts, 3 carriers) | HEALTH AND HUMAN RESOURCE CENTER | 23 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.