| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $630K | $42K | $672K | 4.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CALIFORN | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $5K | $53K | 16.66% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $3K | $30K | 16.59% |
| MJ INSURANCE3 Filed as: BB&T LIBERTY BENEFIT NSURANCE SERV | 5446 THORNWOOD DRIVE SAN JOSE, CA 95123 | PREMIER ACCESS INSURANCE COMPANY | $53K | — | $53K | 44.24% |
| 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 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $723 | $8K | 16.56% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CALIFORN | 5446 THORNWOOD DR #200 SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $220 | $2K | 16.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MES VISION EIN 95-4354242 PLAN ADMIN | Contract Administrator Service code 13 | P.O. BOX 25209 SANTA ANA, CA 92799 | $63K |
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 | 2,670 | 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) | 2,670 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,670 | $13.7M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 3,702 | $120K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,845 | $14.0M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 698 | $180K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $46K |
| Other(2 contracts, 2 carriers) | CONCERN EAP | 2,845 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,702 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.