| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BENEFIT COMPASS INSURANCE SERIVCES | ONE VENTURE, SUITE 220 IRVINE, CA 92618 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97K | $2K | $99K | 7.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BENEFIT COMPASS INSURANCE SERIVCES | ONE VENTURE, SUITE 220 IRVINE, CA 92618 | CIGNA HEALTHCARE OF CALIFORNIA | $60K | — | $60K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BENEFIT COMPASS INSURANCE SERIVCES | ONE VENTURE, SUITE 220 IRVINE, CA 92618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 3.87% |
| FINANCIAL BENEFIT STRATEGIES3 Filed as: FINANCIAL BENEFIT STRATEGIES & INS | 24800 CHRISANTA DRIVE, SUITE 200 MISSION VIEJO, CA 92691 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 10.00% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY ROAD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BENEFIT COMPASS INSURANCE SERIVCES | 96 CORPORATE PARK, SUITE 210 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.72% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BENEFIT COMPASS INSURANCE SERIVCES | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BENEFIT COMPASS INSURANCE SERVICES3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | — | $283 | 10.00% |
| BENEFIT COMPASS INSURANCE SERVICES3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | $8K | — | $8K | — |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $292K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $292K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 229 | $224K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.6M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.