| 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 | UNITED CONCORDIA INSURANCE COMPANY | $13K | — | $13K | 7.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 621 SANTA FE OR P.O. BOX 45018 FRESNO, CA 93721 | $76K |
| ANTHEM BLUE CROSS (G0360) EIN 95-4331852 PPO/UR VENDOR | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | $75K |
| BB&T INS SERVICES EIN 95-3594541 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | $36K |
| MES VISION EIN 95-4354242 PLAN ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | P.O. BOX 25209 SANTA ANA, CA 92799 | $6K |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 670 | $193K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 359 | $50K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 359 | $50K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 359 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.