| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SVCS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS' SERVICE | — | $60K | $60K | 3.77% |
| CLAREMONT BUSINESS GROUP3 | 1000 BURNETT AVE. SUITE 440 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS' SERVICE | — | $33K | $33K | 2.11% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR. SUITE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | $2K | $21K | 3.40% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 944023766 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 2.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - IL | 29840 NETWORK PL CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 1.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF CALIFORNIA | $22K | — | $22K | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR. SUITE 700 SAN MATEO, CA 944044067 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $642 | $10K | 7.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $77 | $3K | 2.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $140 | $140 | 0.11% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR. SAN MATEO, CA 944044067 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS. SERVICES | 1850 GATEWAY DR. SAN MATEO, CA 944044067 | VISION SERVICE PLAN | $968 | — | $968 | 2.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | VISION SERVICE PLAN | $327 | — | $327 | 0.94% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST | 2277 FAIR OAKS BLVD. STE. 250 SACRAMENTO, CA 958255538 | VISION SERVICE PLAN | $128 | — | $128 | 0.37% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 245 | $2.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 366 | $223K |
| Vision | VISION SERVICE PLAN | 151 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $128K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $128K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $128K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 245 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.