| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC | 750 B STREET #2400 SAN DIEGO, CA 92101 | HEALTH NET | $64K | — | $64K | 4.78% |
| IAN SMULOWITZ INS3 | 3262 HOLIDAY CT, STE 103 LA JOLLA, CA 92037 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.20% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA INC | 300 MONTGOMERY STE, STE 208 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.76% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES INC | PO BOX 168 WINSTON SALEM, NC 27102 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.41% |
| 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 | 10.56% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $433 | $3K | 5.18% |
| MICHAEL F FAHEY III3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $901 | $356 | $1K | 2.26% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $592 | $152 | $744 | 1.34% |
| ERIC TERRAZAS3 | 217 LOIS ST LA HABRA, CA 90631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | $19 | $431 | 0.77% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $12 | $358 | 0.64% |
| GABRIEL HOLGUIN3 | 2807 GRATTON ST RIVERSISDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $91 | $346 | 0.62% |
| DAVID O CHRISTENSEN3 | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.34% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $10 | $169 | 0.30% |
| MICHAEL MENDOZA3 | 18543 YORBA LINDA BLVD. YORBA LINDA, CA 92886 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | GERBER LIFE INSURANCE CO. | $1K | — | $1K | 10.33% |
| 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. | $1K | — | $1K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET #2400 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | — |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 156 | $1.3M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 194 | $150K |
| Vision | GERBER LIFE INSURANCE CO. | 126 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 194 | $140K |
| Long-term disability | STANDARD INSURANCE COMPANY | 194 | $140K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 77 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.