| 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 | $17K | $9K | $26K | 15.72% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 0.13% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 333 INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.02% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $498 | $6K | 5.97% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 20 | $101K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $166K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $166K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $166K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $166K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $166K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 20 | $101K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 99 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.