| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CA, IN | 750 B STREET, #2400 SAN DIEGO, CA 92101 | HEALTH NET | $30K | — | $30K | 2.88% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | PO BOX 255188 SACRAMENTO, CA 95865 | HEALTH NET | $22K | — | $22K | 2.09% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CA, IN | 750 B STREET, #2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 3.15% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | PO BOX 255188 SACRAMENTO, CA 958655188 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 2.14% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES - SAN JOS | 5446 THORNWOOD DRIVE, #200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.38% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3536 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES - SAN JOSE | 5446 THORNWOOD DRIVE, #200 SAN JOSE, CA 95123 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 5.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES - SAN JOSE | 5446 THORNWOOD DRIVE, #200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.07% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $508 | — | $508 | 4.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $412 | — | $412 | 4.94% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $165 | — | $165 | 1.98% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, #105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $160 | — | $160 | 1.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | — | $72 | 0.86% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES - SAN JOSE | 5446 THORNWOOD DRIVE, #200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $603 | — | $603 | 10.32% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 4.69% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $307 | — | $307 | 7.75% |
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HWY, #105 PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $98 | — | $98 | 2.47% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $51 | — | $51 | 1.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES OF CALIF | 750 B STREET, #2400 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $49 | — | $49 | 1.24% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES - SAN JOSE | 5446 THORNWOOD DRIVE, #200 SAN JOSE, CA 95123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $379 | — | $379 | 10.10% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC | 3536 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184 | — | $184 | 4.90% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 141 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 391 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 24 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12 | $4K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 141 | $835K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.