| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | CIGNA | $5K | $0 | $5K | 0.78% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | KAISER PERMANENTE | $19K | $0 | $19K | 3.62% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE STE 200 SANTA CRUZ, CA 950622033 | DELTA DENTAL | $19K | $0 | $19K | 8.00% |
| PBG PROFESSIONAL INSURANCE SERVICES3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 950622033 | SUTTER HEALTH PLUS | $10K | $0 | $10K | 4.00% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.03% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | MUTUAL OF OMAHA | $3K | $995 | $4K | 20.90% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | MUTUAL OF OMAHA | $2K | $814 | $3K | 21.01% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | EMPATHIA PACIFIC, INC | $0 | $0 | $0 | 0.00% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | MUTUAL OF OMAHA | $363 | $145 | $508 | 20.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 N/A | Other services; Direct payment from the plan; Contract Administrator; Claims processing; Non-monetary compensation; Float revenue; Participant communication Service code 12 | — | $13K |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLUS | 124 | $238K |
| Dental | DELTA DENTAL | 204 | $240K |
| Vision | VISION SERVICE PLAN | 204 | $38K |
| Life insurance | MUTUAL OF OMAHA | 219 | $17K |
| Long-term disability | MUTUAL OF OMAHA | 219 | $14K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA | 124 | $1.4M |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA | 221 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.