| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC | 5446 THORNWOOD DRIVE STE 200 SAN JOSE, CA 95123 | UNITEDHEALTHCARE INSURANCE COMPANY | $747K | — | $747K | 1.70% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SVCS OF CA INC | 4480 WILLOW RD, PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $546K | $546K | 1.24% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69K | $25K | $94K | 10.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63K | $25K | $88K | 11.18% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DR #200 SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $7K | $17K | 14.22% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 5446 THORNWOOD DRIVE SAN JOSE, CA 95123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $321 | $242 | $563 | 14.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 425 MARKET STREET SUITE 970 SAN FRANCISCO, CA 94105 | $124K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. EIN 33-0567651 PLAN ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 10181 SCRIPPS GATEWAY CT. SAN DIEGO, CA 92131 | $88K |
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 | 2,655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 240 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,895 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,930 | $43.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,248 | $207K |
| Vision | VISION SERVICE PLAN | 2,632 | $559K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,808 | $862K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,312 | $787K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,808 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,930 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.