| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $23K | $23K | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3155 OLSEN DR SAN JOSE, CA 95128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $46K | $46K | 1.33% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SV | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $45K | $45K | 1.30% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | FIRST UNUM LIFE INSURANCE COMPANY | — | $25K | $25K | 1.28% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST | INSURANCE SERVICES LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | — | $14K | $14K | 0.72% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | FIRST UNUM LIFE INSURANCE COMPANY | — | $6K | $6K | 1.30% |
| ACRISURE LLC3 Filed as: ACRISURE WEST COAST INSU | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 0.70% |
| ACRISURE LLC3 Filed as: ACRISURE WEST COAST INSU | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1K | $1K | 0.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 1.30% |
| ACRISURE LLC3 Filed as: ACRISURE WEST COAST INSURANCE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1K | $1K | 0.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | — | $11K | 9.69% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST COAST INS | SERVICES 3155 OLSEN DRIVE, STE 400 SAN JOSE, CA 95117 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| GREGORY S GOLUB3 Filed as: GREGORY GOLUB | SEQUOIA BENEFITS AND INSURANCE SVS 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $924 | — | $924 | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE | SERVICES LLC 72 MADISON AVE 2ND FL NEW YORK, NY 10001 | FEDERAL INSURANCE COMPANY | $38 | — | $38 | 15.08% |
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 | 4,456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,160 | $59.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,285 | $3.5M |
| Vision | VISION SERVICE PLAN | 4,075 | $519K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 4,456 | $2.4M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 4,456 | $2.0M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 4,456 | $2.0M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,160 | $60.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,456 | — |
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.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.