| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INC | 5446 THORNWOOD DR #200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.35% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY, STE 200 IRVINE, CA 92617 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.20% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY STREET SUITE 200 IRVINE, CA 92617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 4.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY, STE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $23K | $4K | $27K | 17.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY, STE 200 IRVINE, CA 926123065 | HARTFORD LIFE AND ACCIDENT | $2K | $242 | $2K | 16.93% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $41 | $41 | 2.04% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 429 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 193 | $249K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 429 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 229 | $151K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 229 | $151K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 229 | $151K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 429 | $3.0M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 261 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.