| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBG PROFESSIONAL INSURANCE SERVICES3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 950622033 | SUTTER HEALTH PLUS | $60K | $0 | $60K | 4.00% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | KAISER PERMANENTE | $31K | $0 | $31K | 3.90% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE STE 200 SANTA CRUZ, CA 950622033 | DELTA DENTAL | $20K | $0 | $20K | 8.00% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | CIGNA | $14K | $0 | $14K | 14.66% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH ST 4H FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $6K | 17.11% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVENUE STREET 200 SANTA CRUZ, CA 95062 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.84% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.26% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE SUITE 200 SANTA CRUZ, CA 95062 | MUTUAL OF OMAHA | $2K | $140 | $2K | 15.97% |
| 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 | $419 | $25 | $444 | 15.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INURANCE CO. EIN 59-1031071 N/A | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Contract Administrator 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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLUS | 272 | $2.4M |
| Dental | DELTA DENTAL | 206 | $250K |
| Vision | VISION SERVICE PLAN | 204 | $37K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $37K |
| Long-term disability | MUTUAL OF OMAHA | 225 | $14K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLUS | 272 | $2.4M |
| Other(2 contracts, 2 carriers) | EMPATHIA PACIFIC, INC | 221 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.