| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 EAST VICTORIA STREET, SUITE 300 SANTA BARBARA, CA 93101 | BLUE CROSS OF CALIFORNIA | $27K | $0 | $27K | 5.84% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $9K | $9K | 2.00% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 EAST VICTORIA STREET, SUITE 300 SANTA BARBARA, CA 93101 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT ADMIN., INC. | 721 SOUTH PARKER STREET, SUITE 300 ORANGE, CA 92868 | PRINCIPAL LIFE INSURANCE COMPANY | $545 | $304 | $849 | 4.67% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP AGENCY ASSOC., LLC | PO BOX 130 CEDAR CITY, UT 84721 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $268 | $268 | 1.47% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 83 | $458K |
| Dental | BLUE CROSS OF CALIFORNIA | 83 | $458K |
| Vision | BLUE CROSS OF CALIFORNIA | 83 | $458K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $18K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 119 | $18K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 83 | $458K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 119 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.