| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92617 | AETNA HEALTH, INC. | $32K | $2K | $33K | 5.32% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92617 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.40% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $268 | $268 | 0.50% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $4K | 16.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | HARTFORD LIFE AND ACCIDENT | — | $160 | $160 | 0.60% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | HARTFORD LIFE AND ACCIDENT | $6 | — | $6 | 0.02% |
| MJ INSURANCE3 Filed as: HEATHER JEGAT AND VARIOUS AGENTS | 550 SUMMER VIEW CIRCLE ENCINITAS, CA 92024 | AFLAC | $1K | $79 | $1K | 4.90% |
| CLAUDIA S. CHAMORRO3 | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $874 | — | $874 | 3.96% |
| AMY M REYES3 Filed as: AMY M. REYES | 5924 BALFOUR COURT, SUITE 100 CARLSBAD, CA 92008 | AFLAC | $867 | — | $867 | 3.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICE OF CA | 2400 KATELLA AVENUE, SUITE 1100 ANAHEIM, CA 92806 | AFLAC | $861 | — | $861 | 3.90% |
| EVELYN FRAZIER3 | 2379 OLD RANCH ROAD ESCONDIDO, CA 92027 | AFLAC | $827 | — | $827 | 3.75% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER L. KENNEDY | 5924 BALFOUR COURT, SUITE 100 CARLSBAD, CA 92008 | AFLAC | $366 | $13 | $379 | 1.72% |
| RMANN GROUP INC3 Filed as: RMANN GROUP INC. | 1518 BUCKINGHAM AVENUE MYRTLE BEACH, SC 29577 | AFLAC | $222 | $13 | $235 | 1.07% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92617 | VISION SERVICE PLAN | $754 | — | $754 | 7.37% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE COMPANY | $237 | — | $237 | 4.00% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 113 | $633K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $54K |
| Vision | VISION SERVICE PLAN | 95 | $10K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 125 | $49K |
| Short-term disability | AFLAC | 32 | $22K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 125 | $27K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 113 | $633K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 125 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.