| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $105K | $1K | $106K | 4.05% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 0.51% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $1K | $33K | 4.65% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.46% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $6K | $31K | 10.20% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | — | $1K | 2.55% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | VISION SERVICE PLAN | $700 | — | $700 | 1.59% |
| GREGORY S GOLUB3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.79% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.52% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $389 | — | $389 | 1.20% |
| GREGORY S GOLUB3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.51% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $348 | — | $348 | 1.22% |
| GREGORY S GOLUB3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.79% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $578 | $578 | 3.52% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $200 | — | $200 | 1.22% |
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 | 291 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 196 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 782 | $303K |
| Vision | VISION SERVICE PLAN | 252 | $44K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $29K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 196 | $3.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.