| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 2400 KATELLA AVENUE SUITE 1100 ANAHEIM, CA 92806 | CALIFORNIA PHYSICIANS' SERVICE | $89K | — | $89K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 2400 KATTELLA AVE STE 1100 ANAHEIM, CA 92806 | DELTA DENTAL OF CALIFORNIA | $19K | — | $19K | 10.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | GERBER LIFE INSURANCE CO | $3K | — | $3K | 6.82% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.45% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 2400 KATTELLA AVE STE 1100 ANAHEIM, CA 92806 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA INSURANCE COMPANY | $1K | $541 | $2K | 14.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA | 2400 KATELLA AVE STE 1100 ANAHEIM, CA 92806 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $19 | — | $19 | 10.27% |
| AMWINS3 Filed as: LISI, INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $4 | — | $4 | 2.16% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 314 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 449 | $194K |
| Vision | GERBER LIFE INSURANCE CO | 272 | $43K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $43K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 314 | $1.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 290 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.