| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNEIL INSURANCE AGENCY, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | WESTERN HEALTH ADVANTAGE | $65K | — | $65K | 3.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 223 WEST NASH STREET 4TH FLOOR WILSON, NC 27893 | WESTERN HEALTH ADVANTAGE | $25K | — | $25K | 1.38% |
| MCNEIL INSURANCE AGENCY, INC.3 Filed as: MCNEIL INSURANCE BENEFITS | PO BOX 750004 PETALUMA, CA 94975 | STERLING LIFE INSURANCE COMPANY | $7K | — | $7K | 3.12% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA, INC. | 300 MONTGOMERY STREET STUITE 208 SAN FRANCISCO, CA 94104 | STERLING LIFE INSURANCE COMPANY | $5K | — | $5K | 2.29% |
| MCNEIL INSURANCE AGENCY, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA, INC. | 4480 WILLOW ROAD SUITE 110 PLEASANTON, CA 94588 | PREMIER ACCESS INSURANCE COMPANY | $645 | — | $645 | 0.50% |
| MCNEIL INSURANCE AGENCY, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.95% |
| MCNEIL INSURANCE AGENCY, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $950 | — | $950 | 6.00% |
| MCNEIL INSURANCE AGENCY, INC.3 Filed as: MCNEIL INSURANCE AGENCY | PO BOX 750004 PETALUMA, CA 949750004 | VISION SERVICE PLAN | $641 | — | $641 | 4.19% |
| 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 | $298 | — | $298 | 1.95% |
| MCNEIL INSURANCE AGENCY, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | — | $225 | 7.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $178 | — | $178 | 6.23% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 181 | $2.0M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 247 | $130K |
| Vision | VISION SERVICE PLAN | 99 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $24K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 181 | $2.0M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.