| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | BLUE CROSS OF CALIFORNIA | $56K | — | $56K | 0.98% |
| 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. | $31K | — | $31K | 1.25% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA AVENUE FLOOR 12 SAN FRANCISCO, CA 941114646 | KAISER FOUNDATION HEALTH PLAN, INC. | $7 | $8K | $8K | 0.32% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 1.82% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 941114646 | KAISER FOUNDATION HEALTH PLAN INC. | — | $187 | $187 | 0.23% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 680 LANGSDORF DRIVE SUITE 100 FULLERTON, CA 92831 | HARTFORD LIFE & ACCIDENT | $3K | — | $3K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 1910 VAN KARMAN SUITE 900 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $175 | — | $175 | 2.74% |
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 | 1,930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,263 | $8.2M |
| Vision | VISION SERVICE PLAN | 1,301 | $81K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,930 | $214K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,930 | $119K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,263 | $8.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE & ACCIDENT | 1,930 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,930 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.