| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY ST STE 200 IRVINE, CA 926173065 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $99K | $99K | 5.11% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SVCS OF CA INC | 5446 THORNWOOD DR #200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.48% |
| 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% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 EMPLOYEE BENEFITS WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.91% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $44 | $44 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: F.B.P. INSURANCE SVCS LLC | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.70% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IVINE, CA 926173065 | VISION SERVICE PLAN | $945 | — | $945 | 6.11% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY, STE 200 IRVINE, CA 926123065 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $646 | — | $646 | 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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 127 | $114K |
| Vision | VISION SERVICE PLAN | 127 | $15K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 127 | $93K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 127 | $93K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 127 | $93K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 127 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.