| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | UNITEDHEATHCARE INSURANCE COMPANY | $11K | $123K | $134K | 8.42% |
| AON CONSULTING INC3 | 1111 METROPOLITAN AVE STE 400 CHARLOTTE, NC 28204 | UNITEDHEATHCARE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INS CO OF AMERICA | $10K | — | $10K | 9.69% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INS CO OF AMERICA | $16K | — | $16K | 66.43% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS AGCY | 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INS CO OF AMERICA | — | $707 | $707 | 2.99% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE CO | $2K | — | $2K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $869 | — | $869 | 5.81% |
| AON CONSULTING INC3 | 1111 METROPOLITAN AVE STE 400 CHARLOTTE, NC 28204 | AETNA BEHAVIORAL HEALTH, LLC | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LEGALPLANS USA | $330 | — | $330 | 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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEATHCARE INSURANCE COMPANY | 185 | $1.6M |
| Dental | UNITEDHEATHCARE INSURANCE COMPANY | 185 | $1.6M |
| Vision | VISION SERVICE PLAN | 149 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INS CO OF AMERICA | 201 | $118K |
| Short-term disability | UNUM LIFE INS CO OF AMERICA | 201 | $99K |
| Long-term disability | UNUM LIFE INS CO OF AMERICA | 201 | $99K |
| Prescription drug | UNITEDHEATHCARE INSURANCE COMPANY | 185 | $1.6M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INS CO OF AMERICA | 274 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.