| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RSG SPECIALTY, LLC | 155 N WACKER DRIVE SUITE 4000 CHICAGO, IL 60606 | SYMETRA LIFE INSURANCE COMPANY | — | $111K | $111K | 6.50% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 4.00% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $529 | $14K | 17.61% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | UNUM INSURANCE COMPANY | $9K | $258 | $10K | 27.79% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207460 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $2K | $67 | $2K | 9.28% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | UNUM INSURANCE COMPANY | $5K | $157 | $6K | 28.70% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | UNUM INSURANCE COMPANY | $5K | $126 | $5K | 30.84% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | P.O. BOX 207640 DALLAS, TX 753207640 | METROPOLITAN GENERAL LIFE INSURANCE COMPANY | $1K | $94 | $1K | 33.95% |
| BUCK CONSULTANTS LLC3 Filed as: MELLON FORMERLY BUCK CONSULTANTS | P.O. BOX 207640 DALLAS, TX 75320 | METROPOLITAN GENERAL LIFE INSURANCE COMPANY | — | $18 | $18 | 0.50% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $85K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $367K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $367K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $367K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $1.7M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.