| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 2400 E. KATELLA AVENUE SUITE 1100 ANAHEIM, CA 92806 | AETNA LIFE INSURANCE COMPANY | $151K | — | $151K | 6.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 4480 WILLOW ROAD SUITE 110 PLEASANTON, CA 94588 | DELTA DENTAL OF CALIFORNIA | $19K | — | $19K | 8.28% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2400 E KATELLA AVENUE SUITE 1100 ANAHEIM, CA 92806 | AETNA HEALTH, INC. | $14K | — | $14K | 6.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $2K | — | $2K | 4.25% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 329 | $2.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 411 | $224K |
| Vision | VISION SERVICE PLAN | 198 | $37K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 329 | $2.2M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 329 | $2.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 329 | $2.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 329 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.