| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 2000 CROW CANYON PLACE, SUITE 220 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $45K | — | $45K | 1.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | — | $2K | $2K | 0.07% |
| 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 | $28K | — | $28K | 2.13% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY ST, SUITE 200 IRVINE, CA 92617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 9.95% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY ST, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 16.23% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY ST, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 15.25% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY ST, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $250 | $194 | $444 | 15.86% |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 592 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $311K |
| Vision | BLUE CROSS OF CALIFORNIA | 592 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 592 | $2.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 76 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.