| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 AND AFFILIATES | $102K | — | $102K | 2.22% |
| KRAUTER & COMPANY, LLC3 Filed as: KRAUTER & COMPANY LLC | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $82K | — | $82K | 1.79% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DRIVE STE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $27K | — | $27K | 2.74% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 1.10% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 41.90% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.81% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.30% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.22% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.78% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $618 | — | $618 | 6.17% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $384 | — | $384 | 3.83% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $5.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $4.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $4.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $51K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 354 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.