| 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 | $53K | — | $53K | 9.94% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | P. O. BOX 61053 ANAHEIM, CA 928036153 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.60% |
| DUSTON DOUGLAS SNYDER3 | — | WASHINGTON NATIONAL INSURANCE COMPANY | $7K | — | $7K | 4.78% |
| JOSHUA GILLESPIE3 Filed as: JOSHUA ROBERT GILLESPIE | 24162 MINNETONKA LANE LAKE FOREST, CA 92630 | WASHINGTON NATIONAL INSURANCE COMPANY | $7K | — | $7K | 4.25% |
| JOSEPH WESLEY WILLINGHAM3 Filed as: JOSEPH W. WILLINGHAM | 1502 NORTH METCALF LOUISBURG, KS 66053 | WASHINGTON NATIONAL INSURANCE COMPANY | $4K | — | $4K | 2.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 2400 EAST KATELLA AVENUE SUITE 1100 ANAHEIM, CA 90806 | WASHINGTON NATIONAL INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| ARIADNE DE BASABE-MACHICHE3 Filed as: ARIADNE DE BASABE MACHICHE | 1102 NIMROD CIRCLE CORONA, CA 92880 | WASHINGTON NATIONAL INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| GERARD ANDREW LADALARDO3 | 2775 MESA VERDE DRIVE EAST A205 COSTA MESA, CA 92828 | WASHINGTON NATIONAL INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| JASON PERRY3 | — | WASHINGTON NATIONAL INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| KEITH BRIAN RIVERA3 | 23412 PACIFIC PARK DRIVE 29D ALISO VIEJO, CA 92656 | WASHINGTON NATIONAL INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| BENJAMIN ACEVEDO3 | 16211 EAST GROVE CENTER COVINA, CA 91722 | WASHINGTON NATIONAL INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| 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 | $6K | — | $6K | 8.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | 2400 EAST KATELLA AVENUE SUITE 1100 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199 | — | $199 | 14.98% |
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 | 840 | 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) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 880 | $530K |
| Vision | VISION SERVICE PLAN | 524 | $74K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 840 | $247K |
| Short-term disability | WASHINGTON NATIONAL INSURANCE COMPANY | 363 | $154K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 840 | $247K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 840 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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.