| 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 | 3.21% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.93% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $1K | — | $1K | 4.89% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | — | $2K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE CO OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST. SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $802 | — | $802 | 14.99% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $785 | — | $785 | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $532 | — | $532 | 15.01% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C POWELL | 1727 STATE STREET SUITE 5 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 3.80% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 3.57% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 1.56% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 2.97% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARABARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 2.16% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C POWELL | 1727 STATE STREET STE 5 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 2.16% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $18 | — | $18 | 9.73% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 173 | $1.2M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $138K |
| Vision | VISION SERVICE PLAN | 109 | $27K |
| Life insurance(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NORTH AMERICA | 83 | $18K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 173 | $1.2M |
| Other(6 contracts, 4 carriers) | CIGNA LIFE INSURANCE CO OF NORTH AMERICA | 222 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.