| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INS SVCS INC3 Filed as: BB&T INS SVS OF CA INC | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $132K | — | $132K | 14.97% |
| XL INSURANCE SERVICES, INC.3 Filed as: XL INSURANCE SERVICES, INC | 10471 GRANT LINE RD STE 100 ELK GROVE, CA 95624 | RELIASTAR LIFE INSURANCE COMPANY | $26K | $26K | $53K | 5.99% |
| 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 | $15K | $1K | $16K | 7.41% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVS OF CA | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | MONY LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 621 SANTA FE OR P.O. BOX 45018 FRESNO, CA 93721 | $81K |
| ANTHEM BLUE CROSS (G0360) EIN 95-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | $76K |
| BB&T INS SERVICES EIN 95-3594541 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | $35K |
| MES VISION EIN 95-4354242 PLAN ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | P.O. BOX 25209 SANTA ANA, CA 92799 | $7K |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 705 | $220K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 388 | $58K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 388 | $58K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 705 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.