| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 4.98% |
| SCAL INNOVATIVE SERVICES LLC3 | 122 AVENIDA DEL MAR, STE G SAN CLEMENTE, CA 92672 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 3.21% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 3.19% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $1 | $12K | 2.95% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERIVES | 122 AVENIDA DEL MAR STE G SAN CLEMENTE, CA 92672 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.32% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.66% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERVICES | 122 AVENIDA DEL MAR, STE G SAN CLEMENTE, CA 92672 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.34% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERVICES | 122 AVENIDA DEL MAR, STE G SAN CLEMENTE, CA 92672 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.38% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.65% |
| SCAL INNOVATIVE SERVICES LLC3 Filed as: SCAL INNOVATIVE SERVICES | 122 AVENIDA DEL MAR, STE G SAN CLEMENTE, CA 92672 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.35% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $505 | — | $505 | 9.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $374 | — | $374 | 9.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $772 | — | $772 | 20.63% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 94 | $390K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $396K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $396K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $52K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $38K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $73K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 94 | $390K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.