| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN, INC. | $116K | — | $116K | 4.96% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 5.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $727 | $21K | 15.55% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 8.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $466 | $16K | 15.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $514 | $16K | 15.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $437 | $15K | 15.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | AMERITAS LIFE INSURANCE CORP. | $722 | — | $722 | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | AMERITAS LIFE INSURANCE CORP. | $655 | — | $655 | 10.00% |
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 | 1,221 | 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) | 1,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,175 | $3.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,371 | $129K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 1,537 | $14K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $237K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $103K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,175 | $3.4M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 904 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,371 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.