| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INS SERVICES INC3 Filed as: BB&T INS SVS OF CA INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $62K | $3K | $65K | 1.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR 700 SAN MATEO, CA 94404 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $47K | $3K | $50K | 1.29% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SVS OF CA | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | BLUE CROSS OF CALIFORNIA | $35K | $2K | $36K | 1.70% |
| SEQUIOA BENEFITS, LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $26K | $2K | $28K | 1.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE OF CA, INC. | 750 B ST STE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 2.68% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $174 | $7K | $7K | 0.37% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $18K | — | $18K | 2.34% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVIES OF CA | 750 B STEET STE 2400 SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $18K | — | $18K | 2.30% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 5.01% |
| BB&T INS SERVICES INC3 Filed as: BB&T INS SVS OF CA | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | ANTHEM LIFE INSURANCE COMPANY | $2K | $97 | $2K | 1.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | ANTHEM LIFE INSURANCE COMPANY | $1K | $93 | $1K | 1.30% |
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 | 996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 481 | $2.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,434 | $783K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,407 | $3.8M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,407 | $3.8M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 996 | $114K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 996 | $114K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 481 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,407 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.