| 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 ST SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN, INC. | $39K | — | $39K | 4.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $34 | $12K | 10.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $977 | $7K | 5.89% |
| BB&T OF CA IRVINE3 | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.47% |
| BB&T INS SERVICES OF CA - SAN3 | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $195 | $195 | 1.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $277 | $2K | 15.89% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE STE 400 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82 | — | $82 | 0.71% |
| IDM INSURANCE SERVICES3 | 1910 OLYMPIC BLVD SUITE 235 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.54% |
| BB&T OF CA IRVINE3 | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| BB&T INS SERVICES OF CA - SAN3 | 750 B ST STE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $140 | $140 | 1.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | CONCERN EMPLOYEE ASSISTANCE PROGRAM | $606 | — | $606 | 10.00% |
| IDM INSURANCE SERVICES3 | 1910 OLYMPIC BLVD, SUITE 235 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 5.00% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 132 | $861K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $117K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $117K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 132 | $861K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.