| 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 | $77K | — | $77K | 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. | $38K | — | $38K | 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 | $3K | $56K | 16.66% |
| 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 | 4.18% |
| ROBERT C HENLEY3 | 15422 AVENIDA RORRAS SAN DIEGO, CA 92128 | AFLAC | $4K | $25 | $4K | 8.39% |
| BANZAI INSURANCE SOLUTIONS INC3 Filed as: BANZAI INSURANCE SOLUTIONS INC. | 9209 COLBERG DR AUSTIN, TX 78749 | AFLAC | $1K | — | $1K | 2.15% |
| JD HOLDER ENTERPRISES INC3 Filed as: J D HOLDER ENTERPRISES INC. | 8220 UNIVERSITY AVENUE # 200 LA MESA, CA 91942 | AFLAC | $1K | $5 | $1K | 2.07% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN E K HOLDER | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $686 | — | $686 | 1.30% |
| TRULY B. PINEDA3 | 535 MISSION ST. FL 14 SAN FRANCISCO, CA 94105 | AFLAC | $237 | — | $237 | 0.45% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S. HIDDEN VALLEY ROAD #150 CARLSBAD, CA 92011 | AFLAC | $226 | — | $226 | 0.43% |
| HEATHER SIEMS3 | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $190 | — | $190 | 0.36% |
| HAKIM CROSBY3 | 8220 UNIVERSITY AVENUE SUITE 200 LA MESA, CA 91942 | AFLAC | $168 | $5 | $173 | 0.33% |
| JAMES J GRETHEL3 Filed as: JAMES J. GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $68 | — | $68 | 0.13% |
| MICHAEL EDWARD REISNER3 | PO BOX 1833 SAN MARCOS, CA 92079 | AFLAC | $32 | — | $32 | 0.06% |
| REBECCA BURGSTINER3 | 5131 MANCHESTER ROAD SAN DIEGO, CA 92115 | AFLAC | $32 | — | $32 | 0.06% |
| VANZANTEN INSURANCE SERVICES INC3 Filed as: VANZANTEN INSURANCE SERVICES INC. | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $29 | — | $29 | 0.05% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $26 | — | $26 | 0.05% |
| JOEL MARCUS3 | 7035 VIA CALAFIA CARLSBAD, CA 92009 | AFLAC | $23 | — | $23 | 0.04% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE D REISNER | P. O. BOX 394 SAN MARCOS, CA 92079 | AFLAC | $19 | — | $19 | 0.04% |
| THOMAS J CHASTANG3 | 53651 US HWY 371 SPC 24 ANZA, CA 92539 | AFLAC | $14 | — | $14 | 0.03% |
| ROBERT C HENLEY3 | 15422 AVENIDA RORRAS SAN DIEGO, CA 92128 | AFLAC | $14 | — | $14 | 0.03% |
| DAWN T SUCHECKI3 Filed as: DAWN T. SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $11 | — | $11 | 0.02% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $11 | — | $11 | 0.02% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVENUE SUITE 413 LA MESA, CA 91942 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS J CHASTANG3 | 290 N D ST FL 2 SAN BERNARDINO, CA 92539 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS J CHASTANG3 | 53651 US HIGHWAY 371 SPC 24 ANZA, CA 92539 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT C WAITE3 Filed as: ROBERT C. WAITE | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT C WAITE3 | 5924 BALFOUR CT, STE 100 CARLSBAD, CA 92008 | AFLAC | $1 | — | $1 | 0.00% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DIEGO, CA 92129 | 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 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $5K | — | $5K | 10.02% |
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 | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 683 | $5.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 739 | $384K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 686 | $3.9M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 739 | $470K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 739 | $335K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 739 | $335K |
| Prescription drug | SHARP HEALTH PLAN | 683 | $3.9M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 855 | $458K |
| 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."
No prospect flags tripped on this filing.