| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | KAISER FOUNDATION HEALTH PLAN INC | $106K | — | $106K | 5.10% |
| PROGRESSIVE BENEFIT GROUP3 | — | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.55% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE, SUITE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| PROGRESSIVE BENEFIT GROUP3 Filed as: PROGRESSIVE BENEFITS | 4700 ROCKSIDE RD, SUITE 450 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 24.73% |
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS AGENCY INC. | 4700 ROCKSIDE RD, SUITE 540 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 33.82% |
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS AGENCY INC. | 4700 ROCKSIDE RD., SUITE 540 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $738 | — | $738 | 41.05% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LANDMARK HEALTHPLAN | 250 | $4K |
| Dental | DELTA DENTAL OF CALIFORNIA | 258 | $146K |
| Vision | VISION SERVICE PLAN | 291 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $91K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $81K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 404 | $2.1M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.