| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | 231 S BEMISTON #400 ST LOUIS, MO 63105 | HIGHMARK INC. | $37K | — | $37K | 0.73% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 2.29% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.79% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.19% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $160 | $1K | 17.00% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 921 | $5.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 936 | $284K |
| Vision | HM LIFE INSURANCE COMPANY | 842 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $422K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $186K |
| Prescription drug | HIGHMARK INC. | 336 | $565K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.