| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE STE 600 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | — | $44K | $44K | 2.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SVCS., INC. | 10474 SANTA MONICA BLVD STE 200 LOS ANGELES, CA 90025 | CALIFORNIA PHYSICIANS SERVICE | — | $40K | $40K | 2.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $1K | $12K | 2.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST STE 450 SAN JOSE, CA 95113 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | MISSING PARTIAL ADDRESS CINCINNATI, OH 45263 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $602 | $10K | 5.41% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 4.71% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 499 SEAPORT COURT, #300 REDWOOD CITY, CA 94063 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $15K | $1K | $16K | 28.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 21650 OXNARD ST STE 200 WOODLAND HILLS, CA 91367 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $6K | $6K | 11.48% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 499 SEAPORT COURT #300 REDWOOD CITY, CA 94063 | ANTHEM LIFE INSURANCE COMPANY | $9K | $711 | $10K | 28.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 21650 OXNARD ST STE 200 WOODLAND HILLS, CA 91367 | ANTHEM LIFE INSURANCE COMPANY | — | $4K | $4K | 11.49% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $970 | — | $970 | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 499 SEAPORT COURT #300 REDWOOD CITY, CA 94063 | BLUE CROSS OF CALIFORNIA | $1K | $84 | $1K | 28.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 21650 OXNARD ST STE 200 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | — | $461 | $461 | 11.48% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 250 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 252 | $178K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 299 | $55K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 299 | $55K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 169 | $34K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 250 | $2.0M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 299 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.