| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | BLUE CROSS OF CALIFORNIA | $21K | — | $21K | 3.35% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BB&T - JOHN BURNHAM INSURANCE | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | SIMNSA | $10K | — | $10K | 7.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 2400 E. KATELLA AVE. SUITE 1100 ANAHEIM, CA 928065980 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.26% |
| BB&T BARGER INSURANCE NETWORK3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $789 | $789 | 0.87% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 145 | $762K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $91K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $91K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 145 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.