| 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 DIEGO, CA 92101 | SHARP HEALTH PLAN | $69K | — | $69K | 2.00% |
| 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. | $39K | — | $39K | 2.00% |
| 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 | $53K | $11K | $64K | 19.29% |
| 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 | 5.91% |
| ROBERT C HENLEY3 | 15422 AVENIDA RORRAS SAN DIEGO, CA 92128 | AFLAC | $10K | $120 | $10K | 8.44% |
| JD HOLDER ENTERPRISES INC3 Filed as: J D HOLDER ENTERPRISES INC. | 8220 UNIVERSITY AVENUE # 200 LA MESA, CA 91942 | AFLAC | $2K | $56 | $2K | 2.14% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN E K HOLDER | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $1K | $84 | $1K | 1.28% |
| BANZAI INSURANCE SOLUTIONS INC3 Filed as: BANZAI INSURANCE SOLUTIONS INC. | 351 CALIFORNIA STREET SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $1K | — | $1K | 1.01% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S. HIDDEN VALLEY ROAD #150 CARLSBAD, CA 92011 | AFLAC | $738 | — | $738 | 0.65% |
| JUSTIN C LAMB3 | 3612 DAYDREAM PLACE SAINT CLOUD, FL 34772 | AFLAC | $618 | — | $618 | 0.54% |
| THOMAS J CHASTANG3 | 53651 US HWY 371 SPC 24 ANZA, CA 92539 | AFLAC | $595 | — | $595 | 0.52% |
| TRULY B. PINEDA3 | 351 CALIFORNIA STREET SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $412 | $104 | $516 | 0.45% |
| HAKIM CROSBY3 | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $478 | $10 | $488 | 0.43% |
| HEATHER SIEMS3 | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $333 | $17 | $350 | 0.31% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE D REISNER | P. O. BOX 394 SAN MARCOS, CA 92079 | AFLAC | $341 | — | $341 | 0.30% |
| JOEL MARCUS3 | 7035 VIA CALAFIA CARLSBAD, CA 92009 | AFLAC | $265 | — | $265 | 0.23% |
| MICHAEL EDWARD REISNER3 | 1482 SCHOOLHOUSE WAY SAN MARCOS, CA 92078 | AFLAC | $232 | — | $232 | 0.20% |
| REBECCA BURGSTINER3 | 5131 MANCHESTER ROAD SAN DIEGO, CA 92115 | AFLAC | $205 | — | $205 | 0.18% |
| DAWN ADELE WATSON3 | 1625 HOTEL CIRCLE S, SUITE C-112 SAN DIEGO, CA 92108 | AFLAC | $86 | — | $86 | 0.08% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER L. KENNEDY | 5924 BALFOUR COURT SUITE 100 CARLSBAD, CA 92008 | AFLAC | $10 | — | $10 | 0.01% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVENUE SUITE 413 LA MESA, CA 91942 | AFLAC | $8 | — | $8 | 0.01% |
| JAMES J GRETHEL3 Filed as: JAMES J. GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.01% |
| VANZANTEN INSURANCE SERVICES INC3 Filed as: VANZANTEN INSURANCE SERVICES INC. | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $5 | — | $5 | 0.00% |
| ROBERT C WAITE3 Filed as: ROBERT C. WAITE | 5924 BALFOUR COURT SUITE 100 CARLSBAD, CA 92008 | AFLAC | $3 | — | $3 | 0.00% |
| CARLA B KEITH3 Filed as: CARLA B. KEITH | 614 MAGNOLIA AVENUE OCEAN SPRINGS, MS 39564 | AFLAC | $2 | — | $2 | 0.00% |
| STEVE HEROUX ENTERPRISES3 Filed as: STEVE HEROUX ENTERPRISES INC. | 8583 AERO DRIVE APT. 3023 SAN DIEGO, CA 92123 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 Filed as: DAWN T. SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $1 | — | $1 | 0.00% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $1 | — | $1 | 0.00% |
| CAROLE ANNE COURLANG3 | 9767 CAMINITO DEL MARFIL SAN DIEGO, CA 92124 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD E SUAREZ3 Filed as: RONALD E. SUAREZ | 118 DORY ROAD NORTH NORTH PALM BEACH, FL 33408 | AFLAC | $1 | — | $1 | 0.00% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER & ASSOCIATES INC. | 5050 MURPHY CANYON ROAD SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $1 | — | $1 | 0.00% |
| MARGARET PEARSON3 | 1250 OLD DIXIE HIGHWAY SUITE 201 LAKE PARK, FL 33408 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | — | $3K | 4.99% |
| 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. | $6K | — | $6K | 11.62% |
| 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 | — | $6 | $6 | 0.01% |
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 | 628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 654 | $5.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 734 | $380K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 683 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 734 | $481K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 734 | $331K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 734 | $331K |
| Prescription drug | SHARP HEALTH PLAN | 654 | $3.4M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 855 | $517K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.