| 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 ST. SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLANS INC. | $117K | — | $117K | 3.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC | 223 WEST NASH STREET 4TH FLOOR WILSON, NC 27893 | WESTERN HEALTH ADVANTAGE | $44K | — | $44K | 4.00% |
| BB&T LIBERTY BENEFIT INS SVS3 | 5446 THORNWOOD DRIVE STE 200 SAN JOSE, CA 95123 | SUTTER HEALTH PLAN | $40K | — | $40K | 4.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | STERLING LIFE INSURANCE COMPANY | $16K | — | $16K | 3.01% |
| M3 INS SOLUTIONS INC3 Filed as: BB&T INS SERVICES OF CALIFORNIA INC | 750 B ST STE 2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 5.77% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INX | 3605 GLENWOOD AVE STE 201 RALEIGH, NE 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.18% |
| WAYNE RIMMER3 Filed as: WAYNE P SMITH | 1113 WEST GROVE WAY COEUR DALENE, ID 83815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $107 | $1K | 2.20% |
| ALETHA PARICH3 | 7828 INKSTER WAY SACRAMENTO, CA 95829 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $610 | $31 | $641 | 1.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $552 | $64 | $616 | 1.14% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 829 CYNTHIA DRIVE WATSONVILLE, CA 95076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $8 | $122 | 0.23% |
| RICHARD HEMMERLING3 | 2301 FALLING WATER CT SANTA CLARA, CA 95054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $15 | $100 | 0.19% |
| SCOTT E BOORE3 | 8 STONEHAVEN CT. NOVATO, CA 94947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $7 | $55 | 0.10% |
| CHERYL D SMITH3 | 1113 WEST GROVE WAY COEUR DALENE, UT 83815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $1 | $50 | 0.09% |
| LISA M KELLEY3 | 2019 LUGANO CT MANTECA, CA 95337 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $9 | $36 | 0.07% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE WOODBRIDGE, CA 95258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $13 | $35 | 0.07% |
| GREGORY L GOLIN3 | 5822 CHARLOTTE DR SAN JOSE, CA 95123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $3 | $27 | 0.05% |
| OMEGA FINANCIAL AND INSURANCE SOLUT3 | 4663 CREEPING FIG CT. LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.04% |
| ROBERT E PONCINI3 Filed as: ROBERT HEITMAN | 3625 GRANADO WAY MODESTO, CA 95356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 548 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 979 | $505K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,000 | $59K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $147K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $76K |
| Prescription drug | SUTTER HEALTH PLAN | 179 | $999K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 414 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.