| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | BLUE CROSS BLUE SHIELD OF TEXAS | $93K | — | $93K | 4.50% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | AMERITAS | $11K | — | $11K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INS CO OF AMERICA | $15K | — | $15K | 25.03% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS AGCY | 216 S 200 W CEDAR CITY, UT 84720 | UNUM LIFE INS CO OF AMERICA | — | $546 | $546 | 0.91% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE CO | $3K | — | $3K | 9.29% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INS CO OF AMERICA | $11K | — | $11K | 52.49% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $50 | — | $50 | 0.26% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 282 | $2.1M |
| Dental | AMERITAS | 189 | $108K |
| Vision | VISION SERVICE PLAN | 162 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO | 206 | $56K |
| Short-term disability | UNUM LIFE INS CO OF AMERICA | 209 | $21K |
| Long-term disability | UNUM LIFE INS CO OF AMERICA | 209 | $21K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 282 | $2.1M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INS CO OF AMERICA | 261 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.