| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES OF CA | 2400 KATELLA AVENUE, SUITE 1100 ANAHEIM, CA 92806 | CALIFORNIA PHYSICIANS SERVICE | $74K | $86 | $74K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $16K | — | $16K | 0.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES OF CA | 2400 KATELLA AVENUE, SUITE 1100 ANAHEIM, CA 92806 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 4.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 2.03% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES OF CA | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE DRIVE NEWPORT BEACH, CA 92660 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $907 | — | $907 | 3.31% |
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 | 761 | 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) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 575 | $1.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 908 | $207K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 761 | $27K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 287 | $86K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 575 | $1.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 761 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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.