| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGN3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 3.44% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLANS INC. | $27K | — | $27K | 3.97% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $13K | — | $13K | 8.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | RELIANCE STANDARD | $4K | $889 | $5K | 12.14% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.02% |
| JOSE CRUZ BLANCO3 | 2530 S. RUBEL WAY, APT K SANTA MARICA, CA 93455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.52% |
| TRACY L BANNER3 Filed as: TRACY LYNN BANNER | 343 CORONADO ST VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.72% |
| BRADLEY IAN WITT3 | 450 ROSEWOOD AVE, SUITE 209 CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $472 | — | $472 | 1.70% |
| TIRZO A LOPEZ3 Filed as: TIRZO ALEXIS LOPEZ | 4368 HERADO DR GUADALUPE, CA 93434 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | — | $281 | 1.01% |
| STEPHANIE MARIE INSABELLA3 | 1113 MONTAUK LN VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.79% |
| DEVITA BETHINA MCKENZIE3 | 289 BURTON AVE SAN GABRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.22% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 12121 WILSHIRE BLVD SUITE 1000 LOS ANGELES, CA 90025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.19% |
| PHILLIP RAY MIRANDA3 | 768 FOREST PARK BLVD APT 118 OXNARD, CA 93036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.13% |
| JOSEPH RAY HARDIE3 | 7396 VILLAGE SQUARE DR, APT 2821 CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | RELIANCE STANDARD | $1K | — | $1K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | RELIANCE STANDARD | $862 | — | $862 | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE SECURE INSURANCE COMPANY | $242 | — | $242 | 5.90% |
| BORDEN HAMMAN INSURANCE3 | 9868 PLANO RD DALLAS, TX 75238 | LIFE SECURE INSURANCE COMPANY | $132 | — | $132 | 3.22% |
| BROADTOWER INSURANCE SOLUTIONS3 | 2860 MICHELLE DR IRVINE, CA 92606 | LIFE SECURE INSURANCE COMPANY | $41 | — | $41 | 1.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | AFLAC | $106 | — | $106 | 4.71% |
| TRACY L BANNER3 Filed as: TRACY BANNER | 343 CORONADO ST VENTURA, CA 93001 | AFLAC | $55 | $17 | $72 | 3.20% |
| JOSE CRUZ BLANCO3 | 18300 ARAGON LN UNIT 201 MORGAN HILL, CA 93012 | AFLAC | $65 | — | $65 | 2.89% |
| KYLI LOGAN3 | 3309 HALIE AVE HELENA, MT 59601 | AFLAC | $37 | — | $37 | 1.65% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $31 | $4 | $35 | 1.56% |
| STEPHANIE MARIE INSABELLA3 Filed as: STEPHANIE M ISABELLA | 1113 MONTAUK LN VENTURA, CA 93001 | AFLAC | $21 | $4 | $25 | 1.11% |
| TIRZO A LOPEZ3 | 4368 HERADO DR GUADALUPE, CA 93434 | AFLAC | $20 | — | $20 | 0.89% |
| JOSEPH RAY HARDIE3 | 909 E. PLAYA DEL NORTE DR APT 6011 TEMPE, AZ 85281 | AFLAC | $9 | — | $9 | 0.40% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS | 2905 MAGNOLIA AVE LONG BEACH, CA 90806 | AFLAC | $8 | — | $8 | 0.36% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 180 | $159K |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 180 | $157K |
| Life insurance | RELIANCE STANDARD | 253 | $41K |
| Long-term disability(2 contracts) | RELIANCE STANDARD | 68 | $19K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.8M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 34 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.