| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $68K | — | $68K | 3.17% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLANS INC. | $22K | — | $22K | 4.37% |
| BB&H BENIFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE SECURE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| BORDEN HAMMAN INSURANCE3 | 9868 PLANO RD DALLAS, TX 75238 | LIFE SECURE INSURANCE COMPANY | $727 | — | $727 | 5.24% |
| BROADTOWER INSURANCE SOLUTIONS3 | 4400 MCARTHUR BLVD NEWPORT BEACH, CA 92660 | LIFE SECURE INSURANCE COMPANY | $172 | — | $172 | 1.24% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 27.11% |
| TRACY L BANNER3 | 343 CORONADO ST VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 22.91% |
| BRADLEY IAN WITT3 Filed as: BRADLEY I WITT | 300 ESPLANADE DRIVE 1220 OXNARD, CA 93036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $470 | — | $470 | 9.91% |
| JOSEPH P CALARCO3 Filed as: JOSEPH HARDIE | 6000 EVANS AVE SUITE 300 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | — | $332 | 7.00% |
| STEPHANIE M INSABELLA3 | 5140 WOOLEY RD APT. A OXNARD, CA 93035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.82% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $304 | — | $304 | 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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 240 | $2.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 240 | $2.1M |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 240 | $2.1M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $43K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 44 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $43K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 240 | $2.6M |
| Other(3 contracts, 3 carriers) | LIFE SECURE INSURANCE COMPANY | 305 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.