| 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 | $55K | — | $55K | 3.42% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 3.36% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.53% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.74% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.26% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.37% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | — | $431 | $431 | 3.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE OF NV | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | STANDARD INSURANCE COMPANY | $1K | -$51 | $1K | 11.40% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $632 | — | $632 | 5.67% |
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 | 97 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 220 | $1.6M |
| Dental | STANDARD INSURANCE COMPANY | 91 | $119K |
| Vision | STANDARD INSURANCE COMPANY | 94 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 97 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 97 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 97 | $18K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 220 | $1.6M |
| Other | STANDARD INSURANCE COMPANY | 97 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.