| 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 | $56K | — | $56K | 3.77% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLANS INC. | $25K | — | $25K | 3.97% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | RELIANCE STANDARD | $4K | $766 | $5K | 11.95% |
| TRACY L BANNER3 Filed as: TRACY LYNN BANNER | 343 CORONADO ST VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.48% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.94% |
| BRADLEY IAN WITT3 | 450 ROSEWOOD AVE, SUITE 209 CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.16% |
| STEPHANIE MARIE INSABELLA3 | 1113 MONTAUK LN VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $699 | — | $699 | 2.44% |
| DEVITA BETHINA MCKENZIE3 | 289 BURTON AVE SAN GABRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $353 | — | $353 | 1.23% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 12121 WILSHIRE BLVD SUITE 1000 LOS ANGELES, CA 90025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.40% |
| JOSEPH RAY HARDIE3 | 7396 VILLAGE SQUARE DR, APT 2821 CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.13% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | — | $2K | $32 | $2K | 10.20% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | RELIANCE STANDARD | $680 | $60 | $740 | 10.88% |
| TRACY L BANNER3 Filed as: TRACY BANNER | 343 CORONADO ST VENTURA, CA 93001 | AFLAC | $86 | — | $86 | 4.28% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | AFLAC | $72 | — | $72 | 3.58% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $42 | — | $42 | 2.09% |
| STEPHANIE MARIE INSABELLA3 Filed as: STEPHANIE M ISABELLA | 1113 MONTAUK LN VENTURA, CA 93001 | AFLAC | $35 | — | $35 | 1.74% |
| JOSEPH RAY HARDIE3 | 909 E. PLAYA DEL NORTE DR APT 6011 TEMPE, AZ 85281 | AFLAC | $15 | — | $15 | 0.75% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS | 2905 MAGNOLIA AVE LONG BEACH, CA 90806 | AFLAC | $9 | — | $9 | 0.45% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE SECURE INSURANCE COMPANY | — | — | $0 | — |
| BORDEN HAMMAN INSURANCE3 | 9868 PLANO RD DALLAS, TX 75238 | LIFE SECURE INSURANCE COMPANY | — | — | $0 | — |
| BROADTOWER INSURANCE SOLUTIONS3 | 2860 MICHELLE DR IRVINE, CA 92606 | LIFE SECURE INSURANCE COMPANY | — | — | $0 | — |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 259 | 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 | 188 | $2.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 188 | $1.5M |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 188 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 269 | $1.5M |
| Long-term disability(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 188 | $1.5M |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 188 | $2.1M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 116 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.