| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 4480 WILLOW ROAD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 6.15% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| TIFFANY ANNE KING3 | 9034 E. EASTER PLACE SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $4K | $567 | $5K | 12.09% |
| KATHLEEN LEININGER INS SERVICES INC3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $3K | $113 | $3K | 7.51% |
| JOHN C WILLY3 Filed as: JOHN C. WILLY | 4850 SAN JOSE STREET APT. 160 MONTCLAIR, CA 91763 | AFLAC | $2K | — | $2K | 5.88% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $1K | $113 | $1K | 2.80% |
| MATTHEW MARK LUCAS3 | 33824 PALM DRIVE YUCAIPA, CA 92399 | AFLAC | $893 | — | $893 | 2.22% |
| DIANA HOMA3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $796 | — | $796 | 1.98% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $470 | — | $470 | 1.17% |
| REGINA MARES3 | 16250 HOMECOMING DRIVE #1302 CHINO, CA 91708 | AFLAC | $343 | — | $343 | 0.85% |
| REGINA MARES3 | 16250 HOMECOMING DRIVE UNIT 1302 CHINO, CA 91708 | AFLAC | $249 | — | $249 | 0.62% |
| LEILANI FOLLENS-JONES3 Filed as: LEILANI MARIE FOLLENS-JONES | 5187 ASPEN DRIVE MONTCLAIR, CA 91763 | AFLAC | $159 | — | $159 | 0.40% |
| DAVID ALONZO SOLIS3 | 12361 MUIR COURT CHINO, CA 91710 | AFLAC | $103 | — | $103 | 0.26% |
| GUINETH ANN REED3 | 3350 SHELBY STREET SUITE 200 ONTARIO, CA 91764 | AFLAC | $75 | — | $75 | 0.19% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE M. LUCZAJ | 1201 MAIN STREET SUITE 2300 COLUMBIA, SC 29201 | AFLAC | $31 | — | $31 | 0.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $194 | $2K | 11.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P. O. BOX 129077 SAN DIEGO, CA 921129077 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.93% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $821K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 214 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 167 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $17K |
| Other(2 contracts, 2 carriers) | AFLAC | 103 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.