| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AETNA HEALTH OF CALIFORNIA | $56K | $5K | $61K | 2.98% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 2.72% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $920 | $5K | 18.20% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $334 | $2K | 18.27% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $787 | — | $787 | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 EAST VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | $165 | $764 | 12.75% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $449 | $92 | $541 | 18.08% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $377 | $59 | $436 | 17.35% |
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | $56 | $120 | 18.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 TPA - DENTAL PLAN | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $20K |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM BLUE CROSS | 262 | $25K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $35K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $10K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $3K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA | 238 | $2.1M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.