| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE INC DBA ZENEFITS | 40 E RIO SALADO PARKWAY TEMPE, AZ 85281 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $31K | — | $31K | 2.47% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $2K | — | $2K | 0.12% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 303 2ND STREET SUITE 450, NORTH TOW SAN FRANCISCO, CA 94107 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $5K | — | $5K | 4.25% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 250 BRANNAN ST FL 3 SAN FRANCISCO, CA 94107 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.36% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.64% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC DBA ZENEFITS | 3440 FLAIR DR LOCKBOX SERVICES 845661 EL MONTE, CA 91731 | EYEMED VISION CARE | $673 | — | $673 | 5.73% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE INC DBA ZENEFITS | 40 E RIO SALADO PARKWAY TEMPE, AZ 85281 | EYEMED VISION CARE | $370 | — | $370 | 3.15% |
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 | 177 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 290 | $1.3M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 305 | $122K |
| Vision | EYEMED VISION CARE | 238 | $12K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $106K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $106K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.