| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $464K | $58K | $522K | 4.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | $168K | — | $168K | 1.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 750 B STREET STE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC. | $104K | — | $104K | 5.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $64K | — | $64K | 4.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $50K | — | $50K | 3.48% |
| MCGRIFF INSURANCE SERVICES INC3 | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $4K | $31K | 17.46% |
| MCGRIFF INSURANCE SERVICES INC3 | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $3K | $26K | 17.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $4K | $27K | 17.29% |
| MCGRIFF INSURANCE SERVICES INC3 | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 951231224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $3K | $23K | 17.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INC | 5446 THORNWOOD DR. STE 200 SAN JOSE, CA 951231224 | AMERITAS LIFE INSURANCE CORP | $10K | — | $10K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INC | 750 B STREET STE 2400 SAN DIEGO, CA 921012476 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 2.76% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA, INC. | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 3.43% |
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 | 1,533 | 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) | 1,533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,158 | $14.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 3,495 | $1.4M |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 2,039 | $166K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,411 | $333K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,347 | $155K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,347 | $130K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,158 | $14.7M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,411 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,495 | — |
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.