| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SVC | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | BLUE CROSS BLUE SHIELD OF TEXAS | $77K | — | $77K | 4.73% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | BLUE CROSS BLUESHIELD OF TEXAS | $17K | — | $17K | 9.89% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | AMERITAS | $12K | — | $12K | 10.00% |
| LEAVITT GROUP3 Filed as: DIXIE LEAVITT AENCY | 115 N. MAIN ST CEDAR CITY, UT 84720 | AMERITAS | — | $3K | $3K | 2.20% |
| BB&H BENEFIT DESIGNS | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 28.41% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE CHOICE SOLUTIONS INS AGENC | 216 S. 200 W CEDAR CITY, UT 84720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $302 | $302 | 0.92% |
| BB&H BENEFIT DESIGNS Filed as: BB&H BENEFIT DESIGNS INS. SVC | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | LIFE ISNURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST. SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, TN 28290 | LEGALPLAN USA | $592 | — | $592 | 10.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 206 | $1.6M |
| Dental | AMERITAS | 149 | $121K |
| Vision | AMERITAS | 149 | $121K |
| Life insurance | BLUE CROSS BLUESHIELD OF TEXAS | 172 | $169K |
| Short-term disability | BLUE CROSS BLUESHIELD OF TEXAS | 172 | $169K |
| Long-term disability | BLUE CROSS BLUESHIELD OF TEXAS | 172 | $169K |
| Other(2 contracts, 2 carriers) | LEGALPLAN USA | 226 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.