| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $40K | — | $40K | 9.92% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA INC | PO BOX 61053 ANAHEIM, CA 928036153 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 15.00% |
| 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 | $8K | — | $8K | 10.00% |
| 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 | $7K | $574 | $7K | 26.61% |
| 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 | $4K | $269 | $4K | 23.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CA INC | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | MANAGED HEALTH NETWORK | $784 | — | $784 | 5.00% |
| BB&T OF CA IRVINE3 | 2400 E. KATELLA AVE. SUITE 1100 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | — | $190 | 15.01% |
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 | 805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 712 | $404K |
| Vision | VISION SERVICE PLAN | 540 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 815 | $191K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $19K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 815 | $191K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 826 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.