| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | BLUE CROSS OF CALIFORNIA | $71K | $0 | $71K | 2.52% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 499 SEAPORT COURT, SUITE 300 REDWOOD CITY, CA 94063 | BLUE CROSS OF CALIFORNIA | $35K | $0 | $35K | 1.24% |
| LUMITY, INC.3 | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | BLUE CROSS OF CALIFORNIA | $11K | $0 | $11K | 0.41% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $222 | $0 | $222 | 0.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNION SECURITY INSURANCE COMPANY | $15K | $12K | $27K | 5.38% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 1.22% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $1K | $15K | 3.34% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 499 SEAPORT COURT, SUITE 300 REDWOOD CITY, CA 94063 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.07% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 382 | $3.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 221 | $506K |
| Vision | UNION SECURITY INSURANCE COMPANY | 221 | $506K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 382 | $3.3M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 221 | $506K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 221 | $506K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 382 | $3.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 382 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
No prospect flags tripped on this filing.