| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | CALIFORNIA PHYSICIANS' SERVICE | $72K | — | $72K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CALIFORNIA PHYSICIANS' SERVICE | $9K | — | $9K | 0.18% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $17K | — | $17K | 4.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $4K | — | $4K | 0.91% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $17K | — | $17K | 4.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $4K | — | $4K | 0.91% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS INSURANCE | 109 E VICTORIA STREET SANTA BARBARA, CA 931012018 | VISION SERVICE PLAN | $3K | — | $3K | 2.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 606740001 | VISION SERVICE PLAN | $1K | — | $1K | 0.94% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $540 | — | $540 | 0.45% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 15.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.45% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 10.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.90% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 11.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.78% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 13.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $823 | — | $823 | 1.35% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 13.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $727 | — | $727 | 1.36% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 13.52% |
| JAMES FRENCH3 | 220 SOUTH KING STREET SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $370 | — | $370 | 1.39% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS INC. | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $370 | — | $370 | 1.39% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $551 | $3K | 15.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $507 | — | $507 | 2.50% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $324 | $1K | 11.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 1.74% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $336 | $26 | $362 | 9.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $66 | — | $66 | 1.75% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 4.55% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 3.39% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C. POWELL | 432 W VERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 3.39% |
| ARMI MARY MCCLURE3 Filed as: ARMI MARY MCMLURE | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 4.60% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 3.45% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C. POWELL | 432 W VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 3.45% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C. POWELL | 432 W VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 4.02% |
| ARMI MARY MCCLURE3 | PO BOX 674 GLENPOOL, OK 74033 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 3.57% |
| BB&H BENEFIT DESIGNS3 Filed as: BB & H BENEFIT DESIGNS | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.86% |
| BRENDA COLLINS POWELL3 Filed as: BRENDA C. POWELL | 432 W VALERIO SUITE 8 SANTA BARBARA, CA 93101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.86% |
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 | 1,224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,267 | $5.2M |
| Dental(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,267 | $6.0M |
| Vision | VISION SERVICE PLAN | 696 | $119K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,224 | $108K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $68K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 1,267 | $5.2M |
| Other(9 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,224 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,267 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.