| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $28K | $0 | $28K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $0 | $20K | 4.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 61053 ANAHEIM, CA 92803 | HARTFORD LIFE AND ACCIDENT | $26K | $0 | $26K | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 5.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BOULEVARD, SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.63% |
| DUSTIN DOUGLAS SNYDER3 | UNKNOWN ALISO VIEJO, CA 92656 | WASHINGTON NATIONAL INSURANCE | $7K | $0 | $7K | 5.65% |
| JOSEPH ROBERT GILLESPIE3 | 24162 MINNETONKA LANE LAKE FOREST, CA 92630 | WASHINGTON NATIONAL INSURANCE | $6K | $0 | $6K | 5.02% |
| JOSEPH WESLEY WILLINGHAM3 Filed as: JOSEPH W. WILLINGHAM | 1502 NORTH METCALF LOUISBURG, KS 66053 | WASHINGTON NATIONAL INSURANCE | $4K | $0 | $4K | 3.26% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2400 EAST KATELLA AVENUE SUITE 1100 ANAHEIM, CA 90806 | WASHINGTON NATIONAL INSURANCE | $2K | $0 | $2K | 1.34% |
| DUSTIN SNYDER3 | 1801 EAST PARKCOURT PLACE BUILDING D, SUITE 205 LAKE FOREST, CA 92630 | WASHINGTON NATIONAL INSURANCE | $205 | $0 | $205 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | WASHINGTON NATIONAL INSURANCE | $64 | $0 | $64 | 0.05% |
| MJ INSURANCE3 Filed as: GERARD LADALARDO AND VARIOUS AGENTS | 2775 MESA VERDE DRIVE EAST SUITE A205 COSTA MESA, CA 92828 | WASHINGTON NATIONAL INSURANCE | $12 | $0 | $12 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $4K | $0 | $4K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $134 | $2K | 11.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $581 | $0 | $581 | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $48 | $48 | 0.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 2400 EAST KATELLA AVENUE SUITE 1100 ANAHEIM, CA 92806 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199 | $0 | $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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 714 | $487K |
| Vision | VISION SERVICE PLAN | 542 | $75K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 854 | $258K |
| Short-term disability | WASHINGTON NATIONAL INSURANCE | 363 | $123K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 854 | $273K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 854 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.