| 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 DR. SUITE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 0.34% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY SUITE 200 IRVINE, CA 92617 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 21250 HAWTHORNE BLVD. SUITE 600 TORRANCE, CA 90503 | UNITEDHEALTHCARE INSURANCE COMPANY | -$22 | — | -$22 | -0.00% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY STE 200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $45K | $8K | $53K | 12.79% |
| FBP INSURANCE SERVICES3 | 130 THEORY STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 10.58% |
| FBP INSURANCE SERVICES3 | 130 THEORY STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 36.94% |
| FBP INSURANCE SERVICES3 | 130 THEORY STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE CO. | $94 | — | $94 | 4.53% |
| FBP INSURANCE SERVICES3 | 130 THEORY STE 200 IRVINE, CA 92617 | AETNA LIFE INSURANCE CO. | $690 | — | $690 | 36.53% |
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 | 1,112 | 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) | 1,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $9.7M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,549 | $658K |
| Vision | VISION SERVICE PLAN | 828 | $103K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,114 | $424K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,114 | $413K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,114 | $422K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,270 | $9.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,114 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,549 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.