| 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 | $89K | — | $89K | 5.62% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLANS INC. | $20K | — | $20K | 4.02% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.26% |
| TRACY L BANNER3 Filed as: TRACY LYNN BANNER | 343 CORONADO ST VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.83% |
| BRADLEY IAN WITT3 | 450 ROSEWOOD AVE, SUITE 209 CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $571 | — | $571 | 3.48% |
| DEVITA BETHINA MCKENZIE3 | 289 BURTON AVE SAN GABRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | — | $311 | 1.89% |
| STEPHANIE MARIE INSABELLA3 | 1113 MONTAUK LN VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | — | $284 | 1.73% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 12121 WILSHIRE BLVD SUITE 1000 LOS ANGELES, CA 90025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.44% |
| JOSEPH RAY HARDIE3 | 7396 VILLAGE SQUARE DR, APT 2821 CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.12% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE SECURE INSURANCE COMPANY | $535 | — | $535 | 9.01% |
| BORDEN HAMMAN INSURANCE3 | 9868 PLANO RD DALLAS, TX 75238 | LIFE SECURE INSURANCE COMPANY | $238 | — | $238 | 4.01% |
| BROADTOWER INSURANCE SOLUTIONS3 | 2860 MICHELLE DR IRVINE, CA 92606 | LIFE SECURE INSURANCE COMPANY | $60 | — | $60 | 1.01% |
| BB&H BENEFIT DESIGNS3 Filed as: BB& H BENEFIT DESIGNS | 109 E. VICTORIA ST. SANTA BARBARA, CA 93101 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $47 | — | $47 | 1.96% |
| DEBORAH ALEXAKOS3 | 1727 WEST GREENHEAD DR MERIDIAN, ID 83642 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $13 | — | $13 | 0.54% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON ST FILLMORE, CA 93015 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $6 | — | $6 | 0.25% |
| SHANE G ROSS3 | 620 E. CABERNET CT UPLAND, CA 91786 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $5 | — | $5 | 0.21% |
| PHYLLIS ILENE SHALLMAN3 | 1121 UNIVERSITY BLVD W SILVER SPRING, MD 20902 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $4 | — | $4 | 0.17% |
| MICHAEL MINNEY3 | POBOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $3 | — | $3 | 0.12% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON ST FILLMORE, CA 93015 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | — | — | $0 | 0.00% |
| TRACY L BANNER3 Filed as: TRACY BANNER | 343 CORONADO ST VENTURA, CA 93001 | AFLAC | $30 | — | $30 | 2.01% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $25 | — | $25 | 1.67% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | AFLAC | $18 | — | $18 | 1.21% |
| JOSEPH RAY HARDIE3 | 909 E. PLAYA DEL NORTE DR APT 6011 TEMPE, AZ 85281 | AFLAC | $15 | — | $15 | 1.00% |
| STEPHANIE MARIE INSABELLA3 Filed as: STEPHANIE M ISABELLA | 300 E. ESPLANADE DR STE 1220 OXNARD, CA 93036 | AFLAC | $11 | — | $11 | 0.74% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS | 2905 MAGNOLIA AVE LONG BEACH, CA 90806 | AFLAC | $8 | — | $8 | 0.54% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | 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 | 197 | $2.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 197 | $1.6M |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 197 | $1.6M |
| Life insurance | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 197 | $1.6M |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 3 | $2K |
| Long-term disability | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 197 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 197 | $2.1M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 96 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.