| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 753202617 | KAISER FOUNDATION HEALTH PLAN INC | $45K | $0 | $45K | 0.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY AND ASSOCIATES, INC. | 3001 WESTOWN PKWY WEST DES MOINES, IA 502661328 | KAISER FOUNDATION HEALTH PLAN INC | $26 | $0 | $26 | 0.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK INSURANCE SERVICES LLC | 1801 CENTURY PARK EAST STE 500 LOS ANGELES, CA 90067 | BLUE SHIELD OF CALIFORNIA | $29K | $170 | $30K | 0.24% |
| BUCK CONSULTANTS LLC3 | DEPT CH 14061 PALATINE, IL 600554061 | SELECTHEALTH | $31K | $0 | $31K | 1.00% |
| BUCK CONSULTANTS LLC3 | 353 SACRAMENTO ST SUITE 800 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF CALIFORNIA | $28K | $0 | $28K | 0.91% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.37% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS LLC. | 353 SACRAMENTO ST SUITE 800 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $85 | $19K | 4.81% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.30% |
| BUCK CONSULTANTS LLC3 | 353 SACRAMENTO ST SUITE 800 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $310 | $23K | 6.21% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $837 | $837 | 0.22% |
| BUCK CONSULTANTS LLC3 | 353 SACRAMENTO ST SUITE 800 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $37 | $14K | 10.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE STE 100 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $414 | $414 | 0.31% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATE | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $216 | $216 | 0.32% |
| BUCK CONSULTANTS LLC3 | 353 SACRAMENTO ST SUITE 800 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23 | $23 | 0.03% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | 353 SACRAMENTO ST SUITE 800 SAN FRANCISCO, CA 94111 | AIG PROPERTY CASUALTY, U.S. | $681 | $0 | $681 | 15.00% |
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 | 3,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,466 | $30.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,365 | $3.0M |
| Vision | VISION SERVICE PLAN | 2,460 | $380K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,993 | $692K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,903 | $374K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,903 | $392K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,466 | $27.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,103 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.