| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | BLUE SHIELD OF CALIFORNIA | $38K | — | $38K | 4.49% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.92% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | — | $137 | 3.85% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C POWELL | 1727 STATE STREET SUITE 5 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 3.54% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 2.28% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C POWELL | 1727 STATE STREET STE 5 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 4.20% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 4.11% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARABARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 2.17% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 181 | $856K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $88K |
| Vision | VISION SERVICE PLAN | 104 | $18K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $17K |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $17K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 181 | $856K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 4 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.