| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | BLUE SHIELD OF CALIFORNIA | $46K | $118K | $164K | 4.30% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZA, CA 950622033 | KAISER PERMANENTE | $14K | $0 | $14K | 3.57% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $7K | $692 | $8K | 10.97% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE STREET 200 SANTA CRUZ, CA 95062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $357 | $4K | 10.99% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORINIA, LLC DBA PB | 9035 SOQUEL AVE STE 200 SANTA CRUZA, CA 950622033 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.32% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $3K | $314 | $3K | 11.15% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZA, CA 950622033 | KAISER PERMANENTE | $966 | $0 | $966 | 4.14% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $516 | $5K | 22.45% |
| PACIFIC ADVISORS LLC3 | UNKNOWN UNKNOWN UNKNOWN, CA 00000 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84 | $0 | $84 | 0.40% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 329 | $4.2M |
| Dental | BLUE SHIELD OF CALIFORNIA | 329 | $3.8M |
| Vision(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 329 | $3.8M |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 225 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $36K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 329 | $3.8M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 225 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.