| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 4480 WILLOW ROAD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $200K | — | $200K | 7.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE SUITE 200 JAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 0.65% |
| 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 | $28K | — | $28K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921018114 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $700 | $13K | 5.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.53% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $2.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 534 | $278K |
| Vision | VISION SERVICE PLAN | 236 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 265 | $184K |
| Short-term disability | STANDARD INSURANCE COMPANY | 265 | $184K |
| Long-term disability | STANDARD INSURANCE COMPANY | 265 | $184K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 484 | $2.9M |
| Other | STANDARD INSURANCE COMPANY | 265 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.