| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY ST STE 200 IRVINE, CA 926173065 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $107K | $108K | 5.26% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SVCS OF CA INC | 4480 WILLOW RD PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 1.48% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY ST, STE 200 IRVINE, CA 926123065 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 9.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: L.B.P. INSURANCE SVCS LLC | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NE 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.38% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.99% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $191 | — | $191 | 10.01% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $111K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $30K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.