| 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 | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | $0 | $166K | $166K | 3.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP, INC | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | $0 | $33K | $33K | 0.66% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 14.40% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUIT A BEACHWOOD, OH 44122 | THE LINCOLN LIFE INSURANCE COMPANY | $0 | $240 | $240 | 0.29% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 9.32% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.41% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUIT A BEACHWOOD, OH 44122 | THE LINCOLN LIFE INSURANCE COMPANY | $0 | $165 | $165 | 0.29% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUIT A BEACHWOOD, OH 44122 | THE LINCOLN LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.26% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.43% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUIT A BEACHWOOD, OH 44122 | THE LINCOLN LIFE INSURANCE COMPANY | $0 | $75 | $75 | 0.30% |
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 | 407 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | 377 | $5.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $62K |
| Life insurance(2 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 406 | $51K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 407 | $56K |
| Other(3 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 407 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.