| 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 | $521K | — | $521K | 1.15% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SERVICES OF CA INC | 5446 THORNWOOD DRIVE SAN JOSE, CA 95123 | HARTFORD LIFE AND ACCIDENT | $136K | — | $136K | 7.00% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SERVICES, INC | 414 GALLIMORE DAIRY RD #F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | — | $93K | $93K | 4.82% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SERVICES OF CA INC | 5446 THORNWOOD DRIVE SAN JOSE, CA 95123 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT SPECIALISTS, INC EIN 77-0171549 PLAN ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 5675 GILBRALTAR DRIVE PLEASANTON, CA 94588 | $121K |
| METLIFE EIN 13-5581829 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 425 MARKET STREET SUITE 970 SAN FRANCISCO, CA 94105 | $115K |
| MEDIMPACT HEALTHCARE SYSTEMS, INC. EIN 33-0567651 PLAN ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | 10181 SCRIPPS GATEWAY CT. SAN DIEGO, CA 92131 | $97K |
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 | 2,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,447 | $45.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,463 | $201K |
| Vision | VISION SERVICE PLAN | 2,734 | $551K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,768 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,768 | $1.9M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,768 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,768 | — |
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.