| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $616 | $2K | 4.37% |
| BUCK GLOBAL LLC3 | 231 S BEMISTON #400 ST LOUIS, MO 63105 | HIGHMARK | $8K | — | $8K | 29.26% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | PO BOX 202617 DALLAS, TX 75320 | COMBINED INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 1.36% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 75320 | COMBINED INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $13K |
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 | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HIGHMARK | 961 | $90K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $39K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 376 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $39K |
| Prescription drug | HIGHMARK | 17 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.