| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $527 | $527 | 1.04% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $527 | $527 | 1.04% |
| PROGRESSIVE BENEFIT GROUP3 | 9035 SOQUEL AVE STE 200 SANTA CRUZ, CA 95062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $499 | $499 | 1.08% |
| MICHAEL LEROY ALLEY3 | 5285 MEADOWS ROAD 370 LAKE OSWEGO, OR 97035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $3K | $4K | 34.68% |
| SANDRA L AYERS3 | 2119 GULLANE WAY GILROY, CA 95020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 22.71% |
| LISA BILGEN DE HERRERA3 | 2900 CHAPEL DRIVE CORVALLIS, OR 97333 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 21.53% |
| RONALD E KIRKLAND3 Filed as: RONALD JONES | 527 S. BAYSIDE ST MOSES LAKE, WA 98837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $377 | $1K | 11.74% |
| MACI ANNE TALBURT3 | 4721 AZALEA GLEN ROAD GLENDALE, OR 99744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | $411 | $858 | 7.31% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $180 | $436 | 3.72% |
| CANDICE ELISE EUSEBIO3 Filed as: CANDICE ELISE EUSBIO | 5756 OWENS DRIVE APT 205 PLEASANTON, CA 94588 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $46 | $408 | 3.48% |
| DIEGO HERRERA3 | 2900 CHAPEL DR CORVALLIS, OR 97333 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 2.74% |
| CHRISTOPHER MICHAEL JONES3 | 6325 E 18TH AVE SPOKANE VALLEY, WA 99212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $191 | $267 | 2.28% |
| MICHAEL LEE MURPHY3 | 104 S FREYA ST SPOKANE, WA 99202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $34 | $110 | 0.94% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $82 | $109 | 0.93% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KINGSTEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $61 | $88 | 0.75% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 366 | $4.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 395 | $440K |
| Vision | VISION SERVICE PLAN | 391 | $58K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 433 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 433 | $51K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 433 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.