| 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. | $36K | — | $36K | 5.04% |
| 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 | $10K | $998 | $11K | 12.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.78% |
| BB&T INSURANCE SERVICES, INC.3 | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $675 | $369 | $1K | 15.46% |
| BB&T TANNER BENEFIT INSURANCE SRV.3 Filed as: BB&T TANNER INSURANCE SERVICES | 4480 WILLOW ROAD PLEASANTON, CA 94588 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $364 | — | $364 | 6.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF TANNER INSURANCE SERVICES | 4480 WILLOW ROAD PLEASANTON, CA 94588 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $183 | — | $183 | 3.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 959 SKYWAY ROAD 2ND FLOOR SAN CARLOS, CA 94070 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $12 | — | $12 | 0.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 750B STREET SUITE 2400 SAN DIEGO, CA 921012476 | CONCERN EMPLOYEE ASSISTANCE PROGRAM | $273 | — | $273 | 5.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 82 | $709K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $91K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 144 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $21K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 82 | $709K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.