| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 414 GALLIMORE DIARY ROAD GREENSBORO, NC 27409 | BLUE CROSS OF CALIFORNIA | $80K | — | $80K | 1.46% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P INSURANCE SERVICES, LLP | 2000 CROW CANYON PLACE, SUITE 220 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $575 | $65K | $65K | 1.19% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY, SUITE 200 IRVINE, CA 92617 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.09% |
| FBP INSURANCE SERVICES3 | 130 THEORY STREET, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $7K | $34K | 10.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $7K | 5.77% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, LLC | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $9 | $58 | 0.05% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | MANAGED HEALTH NETWORK | $719 | — | $719 | 3.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP | 18101 VON KARMAN AVENUE, SUITE 1200 IRVINE, CA 92612 | MANAGED HEALTH NETWORK | $213 | — | $213 | 1.14% |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 800 | $10.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY OF AFFILIATES | 885 | $818K |
| Vision | VISION SERVICE PLAN | 883 | $81K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,047 | $456K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,047 | $327K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 800 | $10.5M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,058 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,058 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.