| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 2400 KATELLA AVE, STE 1100 ANAHEIM, CA 92806 | CALIFORNIA PHYSICIANS' SERVICE | $62K | $9K | $70K | 5.69% |
| 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 | $7K | — | $7K | 8.71% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $317 | $4K | 4.69% |
| MICHAEL F FAHEY III3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $199 | $1K | 1.66% |
| JENNIFER AURORA RAMIREZ3 | 1053 FICUS LANE SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $825 | $76 | $901 | 1.07% |
| ERIC TERRAZAS3 | 217 LOIS ST LA HABRA, CA 90631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $602 | $1 | $603 | 0.71% |
| MANDY ELIZABETH SIMON3 | 450 VALLEY DRIVE VISTA, CA 92084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $14 | $454 | 0.54% |
| DAVID A. RACKLIFFE3 | 300 HEROIT CT. SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $48 | $394 | 0.47% |
| LILIANA RIVERA3 | 25671 TONADILLA CIRCLE MORENO VALLEY, CA 92551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $78 | $333 | 0.39% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $230 | $45 | $275 | 0.33% |
| DAVID O CHRISTENSEN3 | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.20% |
| TIM CHRISTOPHER ELLIS3 | P.O. BOX 483 ORANGE, CA 92856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $30 | $125 | 0.15% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $3 | $41 | 0.05% |
| IAN SMULOWITZ INS3 | 3525 DEL MAR HEIGHTS RD UNIT 845 SAN DIEGO, CA 92130 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.25% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA INC | 300 MONTGOMERY ST, STE 208 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.02% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $626 | — | $626 | 2.00% |
| 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 | 9.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE OF CA | 750 B ST., SUITE 2400 SAN DIEGO, CA 92101 | MEDIEXCEL HEATH PLAN | $295 | — | $295 | 3.96% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $769 | — | $769 | 11.91% |
| 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 | $520 | — | $520 | 8.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA | 300 MONTGOMERY ST, STE 208 SAN FRANCISCO, CA 94104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $528 | — | $528 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | CALIFORNIA DENTAL NETWORK, INC. | $96 | — | $96 | 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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 241 | $1.2M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 87 | $7K |
| Vision | GERBER LIFE INSURANCE CO. | 137 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 194 | $31K |
| Long-term disability | STANDARD INSURANCE COMPANY | 194 | $33K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 241 | $1.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 194 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.