| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 130 THEORY STE 200 IRVINE, CA 926173065 | UNITEDHEALTHCARE INSURANCE COMPANY | $137K | — | $137K | 3.68% |
| BB&T INS SERVICES OF CA3 Filed as: BB&T INS SVCS OF CA INC | 4480 WILLOW RD PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.21% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY STREET, SUITE 200 IRVINE, CA 92612 | GROUP HEALTH COOPERATIVE | $39K | — | $39K | 3.31% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES. LLC | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 7.23% |
| PIPER, ROBYN L3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $752 | $7K | 4.20% |
| PROVIEW ADVANCED SOLUTIONS3 | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.13% |
| F.B.P. INSURANCE SERVICES, LLC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, SC 274099509 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $869 | $6K | 7.29% |
| PIPER, ROBYN L3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $380 | $3K | 4.27% |
| PROVIEW ADVANCED SOLUTIONS3 Filed as: PROVIEW ADVANCES SOLUTIONS | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.10% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $333 | $3K | 8.06% |
| PROVIEW ADVANCED SOLUTIONS3 Filed as: PROVIEW ADVANCED SOLUTIONS, INC. | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 3.49% |
| PIPER, ROBYN L3 | 2300 WEST SAHARA STE 800 LAS VEGAS, NV 89102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $936 | $117 | $1K | 3.39% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 2000 CROW CANYON PL., SUITE 220 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $15K | — | $15K | 591.68% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $4.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $111K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 480 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 480 | $161K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.