| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SAN DIEGO, CA 92101 | WESTERN HEALTH ADVANTAGE | $55K | — | $55K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 3.89% |
| BB&T LIBERTY BENEFIT INS SVS3 | 5446 THORNWOOD DRIVE STE 200 SAN JOSE, CA 95123 | SUTTER HEALTH PLAN | $16K | — | $16K | 5.00% |
| M3 INS SOLUTIONS INC3 Filed as: BB&T INS SERVICES OF CALIFORNIA INC | 750 B ST STE 2400 SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $1K | $12K | 11.80% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA | 750 B STREET SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | $81 | $2K | 5.49% |
| BB&T LIBERTY BENEFIT INS SVS3 Filed as: BB&T - LIBERTY BENEFIT INS | 5446 THORNWOOD DR SUITE 200 SAN JOSE, CA 95123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.21% |
| BB&T INS SERVICES OF CA3 | 750 B ST STE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $130 | $130 | 0.69% |
| BB&T LIBERTY BENEFIT INS SVS3 Filed as: BB&T - LIBERTY BENEFIT INS | 5446 THORNWOOD DR STE 200 SAN JOSE, CA 95123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.97% |
| BB&T INS SERVICES OF CA3 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $89 | $89 | 0.75% |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 289 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 252 | $133K |
| Vision | VISION SERVICE PLAN | 267 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $12K |
| Prescription drug | SUTTER HEALTH PLAN | 67 | $315K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.