| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | $2 | $25K | 4.91% |
| AMWINS3 Filed as: LISI LLC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 1.55% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INSURANCE SVCS, INC | PO BOX 610520 SAN JOSE, CA 95161 | KAISER FOUNDATION HEALTH PLAN INC. | $20 | — | $20 | 0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $2K | — | $2K | 2.68% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRA | 1980 FESTIVAL PLAZA DRIVE STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $1K | — | $1K | 1.25% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INSURANCE SVCS, INC | PO BOX 610520 SAN JOSE, CA 95161 | VISION SERVICE PLAN | -$2 | — | -$2 | -0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | DELTA DENTAL | $3K | — | $3K | 10.00% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 89 | $502K |
| Dental | DELTA DENTAL | 649 | $34K |
| Vision | VISION SERVICE PLAN | 345 | $93K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 89 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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."
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.