| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE 200 SANTA CRUZ, CA 95062 | ANTHEM BLUECROSS LIFE AND HALTH INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $309 | $0 | $309 | 2.92% |
| PROGRESSIVE BENEFITS AGENCY INC3 Filed as: PROGRESSIVE BENEFITS GROUP | 9035 SOQUEL AVE SANTA CRUZ, CA 95062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $412 | $2K | 18.83% |
| CHRISTINA MARIE ALTOMARE3 | 1692 CRESCENT DRIVE WALNUT CREEK, CA 94598 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | $393 | $993 | 11.12% |
| GILBERTO ESTRADA SR3 | 385 RIGEVIEW DR PLEASANT HILL, CA 94523 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $0 | $55 | 0.62% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 829 CYNTHIA DRIVE WATSONVILLE, CA 95076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $12 | $45 | 0.50% |
| CATHERINE LISA LUKE3 | 1922 THE ALAMEDA STE 212 SAN JOSE, CA 95126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $6 | $43 | 0.48% |
| KEVIN LEE SURLES SR3 Filed as: KEVIN SURLES SR | 1054 VILLA MARIE COURT SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.30% |
| KATHLEEN MORELAND3 | 6025 EQUESTRIAN TERRACE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.10% |
| MICHAEL JAMES LEBRANE3 Filed as: MICHAEL JAMES LEBRANCE | 808 EAST 5TH AVENUE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.07% |
| DOUGLAS LOYAL NERDAHL3 | 41 W 4TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| MARY KOCH3 | 1012 EMMA ROSE RLVD BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.02% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 282 | $11K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUECROSS LIFE AND HALTH INSURANCE COMPANY | 41 | $20K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.