| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 4480 WILLOW ROAD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $58K | $64K | 4.27% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 4480 WILLOW ROAD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $598 | $5K | $6K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 680 LANGSDORF DRIVE #100 FULLERTON, CA 92831 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $690 | $15K | 31.07% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 14.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $189 | — | $189 | 0.67% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $57 | $57 | 0.20% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $40 | $3K | 14.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $224 | — | $224 | 1.10% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $30 | $2K | 14.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $169 | — | $169 | 1.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $20 | $1K | 14.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90 | — | $90 | 0.97% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. OF CA | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $463 | $7 | $470 | 14.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 276124954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34 | — | $34 | 1.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | RELIASTAR LIFE INSURANCE COMPANY | $380 | — | $380 | 19.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 4309 EMPEROR BLVD. SUITE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $86 | — | $86 | 4.52% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $48K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $28K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $20K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 234 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.