| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B. STREET #2400 SAN DIAGO, CA 92101 | HEALTH NET | $92K | — | $92K | 1.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $40K | — | $40K | 1.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 680 LANGSDORF DRIVE #100 FULLERTON, CA 92831 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $11K | $74K | 11.77% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.88% |
| ROBERT C HENLEY3 | 15422 AVENIDA RORRAS SAN DIEGO, CA 92128 | AFLAC | $11K | $130 | $11K | 7.93% |
| JD HOLDER ENTERPRISES INC3 Filed as: J D HOLDER ENTERPRISES INC. | 8220 UNIVERSITY AVENE # 200 LA MESAGO, CA 91942 | AFLAC | $3K | $26 | $3K | 2.04% |
| BANZAI INSURANCE SOLUTIONS INC3 Filed as: BANZAI INSURANCE SOLUTIONS INC. | 351 CALIFORNIA STREET SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $2K | — | $2K | 1.14% |
| TRULY B. PINEDA3 | 351 CALIFORNIA STREET SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $1K | $26 | $1K | 1.03% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN E K HOLDER | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $1K | — | $1K | 0.79% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S. HIDDEN VALLEY ROAD #150 CARLSBAD, CA 92011 | AFLAC | $1K | $26 | $1K | 0.73% |
| JUSTIN C LAMB3 | 1302 REESE DRIVE PROVO, UT 84601 | AFLAC | $826 | — | $826 | 0.57% |
| THOMAS J CHASTANG3 | 53651 US HWY 371 SPC 24 ANZA, CA 92539 | AFLAC | $811 | — | $811 | 0.56% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE D REISNER | P. O. BOX 394 SAN MARCOS, CA 92079 | AFLAC | $453 | — | $453 | 0.31% |
| JOEL MARCUS3 | 7035 VIA CALAFIA CARLSBAD, CA 92009 | AFLAC | $357 | — | $357 | 0.25% |
| MICHAEL EDWARD REISNER3 | 1482 SCHOOLHOUSE WAY SAN MARCOS, CA 92078 | AFLAC | $304 | — | $304 | 0.21% |
| REBECCA BURGSTINER3 | 5131 MANCHESTER ROAD SAN DIEGO, CA 92115 | AFLAC | $263 | — | $263 | 0.18% |
| HEATHER SIEMS3 | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $235 | — | $235 | 0.16% |
| DAWN ADELE WATSON3 | 1625 HOTEL CIRCLE S, SUITE C-112 SAN DIEGO, CA 92108 | AFLAC | $118 | — | $118 | 0.08% |
| HAKIM CROSBY3 | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $68 | — | $68 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $3K | $1 | $3K | 3.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $5K | — | $5K | 10.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $574 | $574 | 1.25% |
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 | 654 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NET | 545 | $6.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 721 | $679K |
| Vision | VISION SERVICE PLAN | 668 | $80K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 721 | $934K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 721 | $777K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 721 | $632K |
| Prescription drug | HEALTH NET | 313 | $4.7M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 855 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 855 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.