| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921018114 | KAISER FOUNDATION HEALTH PLAN INC. | $159K | — | $159K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $42K | — | $42K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $72K | — | $72K | 16.36% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N. CALIFORNIA BLVD SUITE 900 WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | VISION SERVICE PLAN | $2K | — | $2K | 2.76% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $832 | — | $832 | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 680 LANGSDORF DRIVE SUITE 100 FULLERTON, CA 92831 | HARTFORD LIFE AND ACCIDENT | $451 | — | $451 | 14.99% |
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 | 474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 460 | $3.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,324 | $863K |
| Vision | VISION SERVICE PLAN | 499 | $87K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 497 | $441K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 497 | $441K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 497 | $441K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 460 | $3.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 551 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,324 | — |
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.