| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $73K | — | $73K | 2.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF OREGON LLC | 601 SW 2ND AVE STE 1200 PORTLAND, OR 97204 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $39K | $2K | $41K | 1.34% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 11.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $13K | $9K | $22K | 9.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $5K | $1K | $7K | 9.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $5K | $1K | $6K | 9.98% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 8.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $3K | $791 | $4K | 9.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $6K | $895 | $7K | 23.76% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $343 | — | $343 | 1.13% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $1K | $1K | $2K | 9.46% |
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 | 102 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 267 | $3.1M |
| Dental | STANDARD INSURANCE COMPANY | 109 | $231K |
| Vision | STANDARD INSURANCE COMPANY | 108 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 114 | $62K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $70K |
| Long-term disability | STANDARD INSURANCE COMPANY | 114 | $39K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 267 | $3.1M |
| Other | STANDARD INSURANCE COMPANY | 114 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.