| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $11K | $61K | 14.68% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS. SVCS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $162 | $6K | 6.48% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS INSURANCE SERVICES | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | FOUR EVER LIFE INS. CO | $334 | — | $334 | 15.01% |
| ANTHEM INSURANCE COMPANIES, INC.3 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044906 | FOUR EVER LIFE INS. CO | — | $22 | $22 | 0.99% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $94K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $419K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $419K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $419K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $419K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $419K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 18 | $94K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 223 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.