| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | AETNA LIFE INSURANCE COMPANY | $181K | — | $181K | 4.56% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 0.38% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $6 | $32K | 3.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 777 MARINERS ISL BLVD SAN MATEO, CA 944045088 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $1K | $4K | 0.48% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 3.65% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 1990 N CALIFORNIA BLVD STE 720 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $13K | $15K | 3.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.23% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | SUTTER HEALTH AND AETNA INSURANCE | $10K | — | $10K | 4.55% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | SUTTER HEALTH AND AETNA INSURANCE | $4K | — | $4K | 1.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | AETNA HEALTH, INC. | $8K | — | $8K | 4.55% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | AETNA HEALTH, INC. | $658 | — | $658 | 0.37% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 777 MARINERS ISL BLVD #250 SAN MATEO, CA 94404 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | $2K | $7K | 5.71% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 777 MARINERS ISL BLVD #250 SAN MATEO, CA 95120 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.19% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 777 MARINERS ISL BLVD #250 SAN MATEO, CA 94404 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $836 | $3K | 5.82% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISL BLVD #250 SAN MATEO, CA 94404 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $748 | $2K | 5.79% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 72 MADISON AVE 2ND FL NEW YORK, NY 10001 | FEDERAL INSURANCE COMPANY | $106 | — | $106 | 14.99% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 593 | $5.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,129 | $449K |
| Vision | STANDARD INSURANCE COMPANY | 353 | $64K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 414 | $130K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 412 | $46K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 412 | $42K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 593 | $4.8M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 414 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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.
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.