| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOC INS BROKERS LLC - CA | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | — | $50K | 4.61% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.37% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 17.88% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $676 | — | $676 | 2.52% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.75% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $383 | — | $383 | 1.59% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.53% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $374 | — | $374 | 1.62% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $481 | $2K | 11.06% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $296 | — | $296 | 1.69% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $954 | $3K | 18.94% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $363 | — | $363 | 2.42% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.40% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $224 | — | $224 | 1.60% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $600 | — | $600 | 7.95% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $154 | — | $154 | 2.04% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 16.60% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $163 | — | $163 | 2.58% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS | 4500 PARK GRANADA, STE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $435 | — | $435 | 8.38% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS SVCS LLC | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $84 | — | $84 | 1.62% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 642 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $64K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $38K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $27K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 642 | $1.1M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.