| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 500 W MADISON ST STE 3410 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | — | $92K | 2.83% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 0.85% |
| BROWN & BROWN INSURANCE SERVICES3 | 500 W MADISON ST STE 3410 CHICAGO, IL 60661 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $21K | $23K | 1.46% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $13K | $15K | 0.97% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55480 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.86% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 2.84% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $993 | $993 | 0.86% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55480 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.98% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.52% |
| BROWN & BROWN INSURANCE SERVICES3 | 11220 ASSET LOOP SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.69% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $786 | $786 | 0.88% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55480 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.80% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $896 | $896 | 1.56% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $477 | $477 | 0.83% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE SUITE 1800 MENNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $1K | — | $1K | 5.41% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $836 | — | $836 | 3.28% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $391 | — | $391 | 1.53% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 6.09% |
| WORKPLACE SOLUTIONS, INC.3 | 120A GILLS CREEK PARKWAY, STE A COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| BROWN & BROWN INSURANCE SERVICES3 | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $490 | $172 | $662 | 2.67% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | NCB-88 PO BOX 1414 MINNEAPOLIS, MN 55480 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.93% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $754 | — | $754 | 3.57% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSET LOOP SUITE 304 MANASSA, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $382 | $382 | 1.81% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $183 | $183 | 0.87% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | HARTFORD LIFE AND ACCIDENT | $160 | — | $160 | 8.49% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $4.8M |
| Vision | VISION SERVICE PLAN | 203 | $26K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 334 | $172K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 338 | $89K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $4.8M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 395 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.