| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | BLUE SHIELD OF CALIFORNIA | $122K | — | $122K | 4.21% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNITED CONCORDIA DENTAL PLANS OF CA | $20K | $828 | $21K | 10.27% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA SANTA BARBARA, CA 93101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $2K | — | $2K | 4.28% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA SANTA BARBARA, CA 93101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA SANTA BARBARA, CA 93101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.19% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA SANTA BARBARA, CA 93101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 172 | $2.9M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF CA | 172 | $200K |
| Vision | VISION SERVICE PLAN | 173 | $37K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $99K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $29K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 172 | $2.9M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.