| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 499 SEAPORT COURT, #300 REDWOOD CITY, CA 94063 | BLUE CROSS OF CALIFORNIA | $210K | $4K | $214K | 5.07% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSALE BLVD SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $76K | $76K | 1.80% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | BLUE CROSS OF CALIFORNIA | $77 | — | $77 | 0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | $747 | $67K | 4.52% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $44K | — | $44K | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 499 SEAPORT COURT, #300 REDWOOD CITY, CA 94063 | ANTHEM LIFE INSURANCE COMPANY | $6K | $115 | $6K | 5.07% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BLVD SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 1.80% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | ANTHEM LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 499 SEAPORT COURT, #300 REDWOOD CITY, CA 94063 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | $89 | $5K | 5.07% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BLVD SAN MATEO, CA 94402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 1.80% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $2K | — | $2K | 2.98% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 499 SEAPORT COURT, #300 REDWOOD CITY, CA 94063 | ANTHEM LIFE INSURANCE COMPANY | $47 | — | $47 | 15.77% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 532 PAJARO STREET SALINAS, CA 93901 | ANTHEM LIFE INSURANCE COMPANY | $3 | — | $3 | 1.01% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 522 | $5.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 870 | $447K |
| Vision | VISION SERVICE PLAN | 448 | $64K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 480 | $96K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 480 | $124K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 480 | $124K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 522 | $5.7M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 480 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.