| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 4.00% |
| PARELIUS INSURANCE SERVICES3 Filed as: PARELIUS INSURANCE SERVICES INC | 2051 JUNCTION AVENUE SUITE 205 SAN JOSE, CA 95131 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.77% |
| PARELIUS INSURANCE SERVICES3 Filed as: PARELIUS INSURANCE SERVICES INC | 2051 JUNCTION AVENUE SUITE 205 SAN JOSE, CA 95131 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $213 | $4K | 1.56% |
| PARELIUS INSURANCE SERVICES3 Filed as: PARELIUS INSURANCE SERVICES INC | 2051 JUNCTION AVENUE SUITE 205 SAN JOSE, CA 95131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.90% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN TRAIL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $850 | — | $850 | 0.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $151 | — | $151 | 0.10% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 2.34% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 401 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 75 | $253K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 334 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.