| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $16K | $52K | 6.55% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE - STE 200 SANTA CRUZ, CA 95062 | KAISER FOUNDATION HEALTH PLAN | $17K | $0 | $17K | 7.88% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $515 | $8K | 9.12% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $882 | $0 | $882 | 5.09% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $126 | $0 | $126 | 0.73% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $91 | $2K | 15.64% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | HARTFORD LIFE AND ACCIDENT | $338 | $45 | $383 | 17.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $15K | $21K | — |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE CARRIER | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $3K |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 217 | $210K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 217 | $0 |
| Vision | VISION SERVICE PLAN | 136 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 268 | $82K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 99 | $793K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.