| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | PO BOX 4147 TUSTIN, CA 92781 | BLUE CROSS OF CALIFORNIA | $73K | $11K | $84K | 4.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | BLUE CROSS OF CALIFORNIA | $26K | — | $26K | 1.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| BB&T INSURANCE SERVICES, INC.3 | 2400 E KATELLA AV STE 1100 ANAHEIM, CA 92806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 921012476 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $677 | — | $677 | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 750 B STREET SAN DIEGO, CA 921012476 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.82% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SAN DIEGO, CA 921012476 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $471 | — | $471 | 2.06% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 313 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 180 | $103K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 289 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $49K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 313 | $2.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.