| 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 SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 2.99% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 150 N. MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 2.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.02% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 959 SKYWAY ROAD FLOOR 2 SAN CARLOS, CA 940702719 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | 10 S. WACKER DRIVE FLOOR 17 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $755 | $755 | 0.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 2400 E. KATELLA AVENUE ANAHEIM, CA 92806 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.81% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | DEPT. 133667 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.74% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CONCERN EMPLOYEE ASSISTANCE PROGRAM | $156 | — | $156 | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 959 SKYWAY ROAD FLOOR 2 SAN CARLOS, CA 940702719 | CONCERN EMPLOYEE ASSISTANCE PROGRAM | $112 | — | $112 | 2.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $300 | $178 | $478 | 9.50% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC. | 959 SKYWAY ROAD FLOOR 2 SAN CARLOS, CA 940702719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $203 | — | $203 | 4.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 4480 WILLOW ROAD PLEASANTON, CA 94588 | EYE MED | $255 | — | $255 | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 959 SKYWAY ROAD 2ND FLOOR SAN CARLOS, CA 94070 | EYE MED | $195 | — | $195 | 3.91% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 78 | $491K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $85K |
| Vision | EYE MED | 130 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $5K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 107 | $17K |
| Other(2 contracts, 2 carriers) | CONCERN EMPLOYEE ASSISTANCE PROGRAM | 110 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.