| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED HELATHCARE INSURANCE COMPANY | $121K | $0 | $121K | 2.26% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERSSTE PARK DR STE 100 SAN MATEO, CA 94403 | UNITED HELATHCARE INSURANCE COMPANY | $42K | $0 | $42K | 0.78% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $1K | $15K | 3.84% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERCVIC | 3 WATERS PARK DR. STE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.95% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SVCS LL | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | GUARDIAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 41.16% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERSSTE PARK DR STE 100 SAN MATEO, CA 94403 | GUARDIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 14.84% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | LINCOLN FINANCIAL GROUP | $4K | $263 | $5K | 8.57% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERSSTE PARK DR STE 100 SAN MATEO, CA 94403 | LINCOLN FINANCIAL GROUP | $1K | $0 | $1K | 1.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN FINANCIAL GROUP | $0 | $241 | $241 | 0.45% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR, STE 700 SAN MATEO, CA 94404 | LINCOLN FINANCIAL GROUP | $3K | $213 | $3K | 8.79% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERSSTE PARK DR STE 100 SAN MATEO, CA 94403 | LINCOLN FINANCIAL GROUP | $597 | $0 | $597 | 1.89% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HELATHCARE INSURANCE COMPANY | 1,076 | $5.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 675 | $63K |
| Life insurance | LINCOLN FINANCIAL GROUP | 657 | $54K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 657 | $32K |
| Other | THE KONTERRA GROUP LLC | 749 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.