| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLANS INC | $19K | — | $19K | 2.43% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | KAISER FOUNDATION HEALTH PLANS INC | $6K | — | $6K | 0.80% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | UNITED CONCORDIA COMPANIES, INC | $16K | — | $16K | 4.99% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE, LLC | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | UNITED CONCORDIA COMPANIES, INC | $7K | — | $7K | 2.24% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | RELIASTAR LIFE INSURANCE COMPANY | $12K | — | $12K | 5.30% |
| GARY K GREENSAGE, LLC3 Filed as: GARY K. GREENSAGE, LLC | 18230 N ELDRIDGE PKWY TOMBALL, TX 77377 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 4.63% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $4K | — | $4K | 7.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. COMPANY EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $143K |
| BB&H BENEFIT DESIGNS EIN 33-0782360 BROKER, CONSULTANT | Insurance agents and brokers Service code 22 | — | $57K |
| GARY K GREENSAGE LLC BROKER, CONSULTANT | Insurance agents and brokers Service code 22 | 18230 N. ELDRIDGE PKWY TOMBALL, TX 77377 | $48K |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLANS INC | 182 | $776K |
| Dental | UNITED CONCORDIA COMPANIES, INC | 217 | $328K |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 286 | $55K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 404 | $225K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 404 | $225K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 404 | $225K |
| Prescription drug | KAISER FOUNDATION HEALTH PLANS INC | 182 | $776K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 404 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.