| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 E VICTORIA STREET SANTA BARBARA, CA 93101 | HEALTH NET | $59K | — | $59K | 5.30% |
| BB&H BENEFIT DESIGNS3 Filed as: BB&H BENEFIT DESIGNS INSURANCE SERV | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 4.90% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $900 | — | $900 | 10.00% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $374 | — | $374 | 9.99% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 1.52% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 2.02% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 77 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $120K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $120K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3 | $923 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $19K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 77 | $1.5M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.