| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC | 750 B ST SUITE 2400 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $90K | — | $90K | 7.55% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 9.91% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA INC | PO BOX 61053 ANAHEIM, CA 928036153 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 15.00% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES INC | 414 GALLIMORE DAIRY RD F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 5.26% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | VISION SERVICE PLAN | $6K | — | $6K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INC | 2400 E KATELLA AVE STE 1100 ANAEHIM, CA 92806 | MANAGED HEALTH NETWORK | $774 | — | $774 | 5.00% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $118 | $1K | 15.28% |
| BB&T INS SERVICES OF CA - SAN3 Filed as: BB&T INS SERVICE OF CA FULLERTON | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $826 | — | $826 | 12.48% |
| BB&T INS SERVICES OF CA - SAN3 Filed as: BB&T INS SERVICES OF CA SAN DIEGO | 750 B ST STE 240 SAN DIEGO, CA 92101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $54 | $54 | 0.82% |
| BB&T OF CA IRVINE3 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | $17 | $207 | 16.35% |
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 | 699 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 925 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 675 | $346K |
| Vision | VISION SERVICE PLAN | 474 | $62K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 742 | $158K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 742 | $158K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 925 | $1.2M |
| Other(3 contracts, 3 carriers) | MANAGED HEALTH NETWORK | 775 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.