| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $276 | $0 | $276 | 0.33% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 75320 | CIGNA | $3K | $545 | $4K | 12.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 176 FEDERAL ST BOSTON, MA 02110 | CIGNA | $1K | $0 | $1K | 4.41% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $561 | $2K | 9.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21ST NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $504 | $0 | $504 | 2.17% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $424 | $3K | 13.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21ST NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $548 | $0 | $548 | 2.97% |
| BUCK GLOBAL LLC3 | PO BOX 202617 DALLAS, TX 75320 | CIGNA | $2K | $319 | $2K | 12.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 176 FEDERAL ST BOSTON, MA 02110 | CIGNA | $808 | $0 | $808 | 4.46% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $414 | $2K | 11.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $360 | $0 | $360 | 2.13% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $84K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 111 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 96 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $18K |
| Other(3 contracts, 2 carriers) | CIGNA | 152 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.