| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $69K | $31K | $100K | 3.58% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $86K | $44K | $130K | 6.65% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | SECURIAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 7.51% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC. | 500 PLAZA DRIVE SECAUCUS, NJ 070961533 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 5.45% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, LLC | 420 LEXINGTON AVENUE SUITE 2220 NEW YORK, NY 10170 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $7K | — | $7K | 10.00% |
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 | 8,042 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 247 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $77K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $77K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 9,200 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 9,244 | $2.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,244 | $2.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $77K |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 8,042 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,244 | — |
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."
No prospect flags tripped on this filing.