| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | — | $79K | 3.79% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | UNITEDHEALTHCARE INSURANCE COMPANY | -$139 | — | -$139 | -0.01% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET STE 1 STAMFORD, CT 06902 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.92% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | AETNA LIFE INSURANCE COMPANY | $169 | — | $169 | 0.78% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $189 | $189 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $228 | $228 | 2.10% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $49 | $49 | 1.23% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $2.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 265 | $22K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 194 | $15K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 148 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $2.1M |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 194 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.