| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 3.52% |
| BUCK GLOBAL LLC3 | 231 S BEMISTON #400 ST LOUIS, MO 63105 | HIGHMARK | $732 | — | $732 | 1.10% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | COMBINED INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 1.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $53K |
| XEROX CORPORATION EIN 16-0468020 CONTRACT ADMNSTRTR | Direct payment from the plan; Contract Administrator Service code 13 | — | $30K |
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 | 215 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HIGHMARK | 147 | $532K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $265K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 3 | $212 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $265K |
| Prescription drug | HIGHMARK | 3 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.