| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY SUITE 200 IRVINE, CA 926123063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.69% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $120 | $2K | 1.36% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $745 | $745 | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P. O. BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.06% |
| FBP INSURANCE SERVICES3 | 130 THEORY STREET SUITE 200 IRVINE, CA 926123063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $1K | $16K | 10.75% |
| FBP INSURANCE SERVICES3 | 130 THEORY SUITE 200 IRVINE, CA 923123063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $783 | $9K | 10.93% |
| FBP INSURANCE SERVICES3 | 130 THEORY STREET SUITE 200 IRVINE, CA 923123063 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $196 | $3K | 16.09% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY, SUITE 200 IRVINE, CA 92617 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 1,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 594 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 525 | $165K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $321K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,926 | $168K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $84K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $150K |
| Other(3 contracts, 3 carriers) | COMPSYCH | 3,786 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,926 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.