| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F. B. P. INSURANCE SERVICES, LLC | 130 THEORY SUITE 200 IRVINE, CA 926173065 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | — | $101K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 921211619 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 2.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 6.06% |
| FBP INSURANCE SERVICES3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.89% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 1650 HOTEL CIRCLE NORTH SUITE 110 SAN DIEGO, CA 92108 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.76% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.95% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $869 | $869 | 3.76% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $862 | — | $862 | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $630 | $630 | 3.76% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $623 | — | $623 | 3.72% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 646 | $332K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $32K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $2.2M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.