| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 4.61% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 4.59% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA ST SANTA BARBARA, CA 93101 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.63% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 26.41% |
| EMPLOYEE CHOICE SOLUTIONS3 Filed as: EMPLOYEE SOLUTIONS INS AGENCY | 216 S 200 W CEDAR CITY, UT 84720 | TRANSAMERICA LIFE INSURANCE COMPANY | $189 | — | $189 | 2.16% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 159 | $962K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 135 | $83K |
| Vision | HUMANA INSURANCE COMPANY | 92 | $11K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 159 | $962K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 48 | $9K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 159 | $962K |
| Other(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 164 | $974K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.