| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4480 WILLOW RD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 2.34% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 4480 WILLOW RD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | — | $71K | 2.34% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY, STE 200 IRVINE, CA 92617 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 0.58% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA I | 5546 THORNWOOD DR STE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 0.32% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST. STE. 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 5.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN BURNHAM SERVICES | PO BOX 129077 SAN DIEGO, CA 921129077 | EYEMED | $4K | — | $4K | 8.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 750 B ST. STE. 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $423 | $4K | 11.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 750 B ST. STE. 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $824 | $6K | 18.11% |
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 | 543 | 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) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 700 | $3.1M |
| Vision | EYEMED | 493 | $42K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 547 | $67K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 547 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
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.