| 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 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 5.00% |
| 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 | $4K | — | $4K | 6.19% |
| KATHLEEN LEININGER INS SERVICES INC3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $2K | $193 | $2K | 6.15% |
| TIFFANY KING3 | 14143 DENVER WEST PKWY SUITE 100 GOLDEN, CO 80401 | AFLAC | $1K | — | $1K | 3.13% |
| JOHN C WILLY3 Filed as: JOHN WILLY | 4850 SAN JOSE STREET APT. 160 MONTCLAIR, CA 91763 | AFLAC | $817 | $242 | $1K | 2.83% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $699 | $102 | $801 | 2.14% |
| MORETON & COMPANY3 Filed as: BRADLEY MORTON | 1938 TRINIDAD CIRCLE CLAREMONT, CA 91711 | AFLAC | $436 | — | $436 | 1.16% |
| ROSE ANNE BEACHAM3 | 13459 HAMMER AVE CHINO, CA 91710 | AFLAC | $368 | — | $368 | 0.98% |
| REGINA MARES3 | 16250 HOMECOMING DRIVE #1302 CHINO, CA 91708 | AFLAC | $112 | $66 | $178 | 0.48% |
| LEILANI FOLLENS-JONES3 | 5187 ASPEN DRIVE MONTCLAIR, CA 91763 | AFLAC | $119 | — | $119 | 0.32% |
| DIANA HOMA3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $68 | $50 | $118 | 0.32% |
| DOLORES MARIA VARGAS VILLEGAS3 Filed as: DOLORES VARGAS VILLEGAS | 1510 E SHAMWOOD ST WEST COVINA, CA 91791 | AFLAC | $114 | — | $114 | 0.30% |
| MATTHEW LUCAS3 | 33824 PALM DRIVE YUCAIPA, CA 92399 | AFLAC | $19 | $60 | $79 | 0.21% |
| GUINETH ANN REED3 Filed as: GUINETH REED | 3350 SHELBY STREET SUITE 200 ONTARIO, CA 91764 | AFLAC | $62 | — | $62 | 0.17% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | AFLAC | $26 | — | $26 | 0.07% |
| BRIAN R KIMMEL3 Filed as: BRIAN KIMMEL | 309 BRAESWICK DR LAKE ST LOUIS, MO 63367 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | 9.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 750 B ST, STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $456 | $2K | 13.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 750 B ST, STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE | $459 | $181 | $640 | 13.95% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 146 | $924K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 170 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 178 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $16K |
| Other(3 contracts, 3 carriers) | AFLAC | 105 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.