| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | BLUE SHIELD OF CALIFORNIA | $49K | — | $49K | 2.62% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $21K | — | $21K | 9.93% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $2K | — | $2K | 3.98% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BB&H BENEFIT DESIGNS3 Filed as: BB&Y BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $932 | — | $932 | 15.01% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 3.61% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C. POWELL | 1727 STATE STREEET SUITE 5 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 2.73% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | — | $65 | 2.73% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 4.51% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 3.43% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C. POWELL | 1727 STATE STREET SUITE 5 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 3.43% |
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 | 631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 435 | $1.9M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 405 | $208K |
| Vision | VISION SERVICE PLAN | 317 | $44K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $28K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 435 | $1.9M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.