| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET #2400 SAN DIEGO, CA 92101 | HEALTH NET | $56K | $2K | $58K | 5.52% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 300 MONTGOMERY ST SUITE 208 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 7.29% |
| IAN SMULOWITZ INS3 Filed as: IAN SMULOWITZ INSURANCE | 3262 HOLIDAY COURT SUITE 103 LA JOLLA, CA 92037 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.44% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 10.58% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $619 | $4K | 6.23% |
| MICHAEL F FAHEY III3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $996 | $332 | $1K | 2.35% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 2.04% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | $52 | $567 | 1.00% |
| MICHAEL MENDOZA3 | 18543 YORBA LINDA BLVD. YORBA LINDA, CA 92886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | — | $427 | 0.75% |
| ERIC TERRAZAS3 | 2101 IPSEN WAY PLACENTIA, CA 92870 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $1 | $422 | 0.75% |
| DAVID O CHRISTENSEN3 Filed as: DAVID O. CHRISTENSEN | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $16 | $335 | 0.59% |
| EUNICE AKIAN3 | 15551 WILD PLUM CIRCLE HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $9 | $184 | 0.33% |
| BB&T INSURANCE SERVICES, INC.3 | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | GERBER LIFE INSURANCE CO. | $1K | — | $1K | 8.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CALIFORNIA DENTAL NETWORK, INC. | $988 | — | $988 | 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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 145 | $1.1M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 181 | $128K |
| Vision | GERBER LIFE INSURANCE CO. | 116 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 181 | $118K |
| Long-term disability | STANDARD INSURANCE COMPANY | 181 | $118K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 181 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.