| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | ANTHEM | $16K | — | $16K | 3.23% |
| AMWINS3 | 1600 HILLSDALE BLVD. SUITE 201 SAN MATEO, CA 94403 | ANTHEM | $14K | — | $14K | 2.96% |
| LEAVITT GROUP3 Filed as: LEAVITT COASTAL VALLEY INSURANCE | 550 EAST BETTERAVIA ROAD, SUITE D SANTA MARIA, CA 93454 | ANTHEM | $12K | — | $12K | 2.43% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | PRINCIPAL LIFE INSURANCE COMPANY | $745 | — | $745 | 6.57% |
| LEAVITT GROUP3 Filed as: LEAVITT COASTAL VALLEY | 550 EAST BETTERAVIA ROAD, SUITE D SANTA MARIA, CA 93454 | PRINCIPAL LIFE INSURANCE COMPANY | $384 | — | $384 | 3.39% |
| AMWINS3 | 1600 WEST HILLSDALE BLVD. SUITE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $203 | $58 | $261 | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN | 721 PARKER ST SUITE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $138 | — | $138 | 1.22% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY | 216 SOUTH 200 WEST CEDAR CITY, UT 84720 | PRINCIPAL LIFE INSURANCE COMPANY | — | $116 | $116 | 1.02% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM | 70 | $489K |
| Dental(2 contracts, 2 carriers) | ANTHEM | 133 | $500K |
| Vision | ANTHEM | 70 | $489K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.