| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $456K | — | $456K | 5.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | ANTHEM BLUE CROSS OF CALIFORNIA | $229K | — | $229K | 5.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SAN DIEGO, CA 92101 | CONCERN EAP | $4K | — | $4K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DR. SUITE 200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS EXPRESS EIN 37-1454096 PLAN ADMINISTRATION | Contract Administrator Service code 13 | 1700 E. GOLF ROAD SUITE 1000 SCHAUMBURG, IL 60173 | $265K |
| PREMIER ACCESS INSURANCE CO. EIN 91-1857813 PLAN ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 659020 SACRAMENTO, CA 958659020 | $135K |
| MES VISION EIN 95-4354242 PLAN ADMIN | Contract Administrator Service code 13 | P.O. BOX 25209 SANTA ANA, CA 92799 | $58K |
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 | 2,515 | 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) | 2,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,649 | $13.5M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,649 | $9.0M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $181K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 323 | $48K |
| Other | CONCERN EAP | 2,515 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,515 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.