| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | — | $22K | 2.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. - IL | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 2.26% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $8K | $17K | 4.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | STARMOUNT LIFE INSURANCE COMPANY | $14K | — | $14K | 3.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | PO BOX 905494 CHARLOTTE, NC 282905494 | STARMOUNT LIFE INSURANCE COMPANY | — | $6K | $6K | 1.49% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 5.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.47% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 19.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM INSURANCE COMPANY | $96 | — | $96 | 0.38% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $3K | $1K | $4K | 19.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM INSURANCE COMPANY | $74 | — | $74 | 0.33% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $578 | $193 | $771 | 8.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SAN FRANCISCO | 199 FREMONT ST 14TH FLOOR SAN FRANCISCO, CA 94105 | UNUM INSURANCE COMPANY | $720 | — | $720 | 8.31% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 107 | $925K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 496 | $381K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 496 | $381K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $184K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $184K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 107 | $925K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 519 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.