| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | CALIFORNIA PHYSICIANS' SERVICE | $85K | — | $85K | 5.26% |
| 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 | $20K | — | $20K | 5.37% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA ST SANTA BARBARA, CA 93101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 12.63% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP INSURANCE ADVISORS | 560 S 300 E SUITE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 0.96% |
| BB&H BENEFIT DESIGNS3 | 109 E. VICTORIA STREET SANTA BARBARA, CA 93101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 12.86% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 149 | $2.0M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 255 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $138K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $138K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 149 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.