| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SERV | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | ANTHEM BLUE CROSS | $27K | — | $27K | 3.95% |
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SERV | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | KAISER PERMANENTE | $19K | — | $19K | 5.34% |
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SERV | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.61% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $459 | $4K | 11.21% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $163 | $2K | 11.21% |
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SERV | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $867 | — | $867 | 6.54% |
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SERV | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $872 | — | $872 | 8.91% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $655 | $79 | $734 | 11.21% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $733 | — | $733 | 14.94% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $313 | $43 | $356 | 11.37% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 61 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $89K |
| Vision | VISION SERVICE PLAN | 68 | $13K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $43K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $14K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 61 | $1.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 115 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.