| 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 | $542K | $206K | $748K | 1.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 5446 THORNWOOD DRIVE SAN JOSE, CA 95123 | HARTFORD LIFE AND ACCIDENT | $145K | — | $145K | 7.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 0.67% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SERVICES OF CA INC | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27622 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 7.00% |
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 | 2,901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 285 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,951 | $39.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,590 | $206K |
| Vision | VISION SERVICE PLAN | 2,827 | $556K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,901 | $2.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,901 | $2.1M |
| Other(2 contracts, 2 carriers) | CONCERN EAP | 2,823 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,951 | — |
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.