| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 700 SAN MATEO, CA 94404 | OXFORD HEALTH INSURANCE, INC. | $91K | — | $91K | 1.77% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 WEST CENTRAL STREET NATICK, MA 01760 | OXFORD HEALTH INSURANCE, INC. | $64K | — | $64K | 1.25% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, STE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $21 | $4K | 0.80% |
| EASTERN INSURANCE GROUP LLC3 | 100 QUANNAPOWITT PKWY STE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $119 | $3K | 0.56% |
| EASTERN INSURANCE GROUP LLC3 Filed as: EASTERN INSURANCE GROUP, LLC | 233 W CENTRAL STREET NATICK, MA 01760 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $3K | $15K | 5.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 2.49% |
| EASTERN BENEFITS GROUP3 | BENEFITS DEPT PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE | $4K | — | $4K | 8.58% |
| GREG GOLUB3 | 1850 GATEWAY DRIVE SUIE 600 SAN MATEO, CA 94404 | EYEMED VISION CARE | $3K | — | $3K | 5.59% |
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 | 513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 719 | $5.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,315 | $519K |
| Vision | EYEMED VISION CARE | 992 | $51K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 345 | $264K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 345 | $264K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 345 | $264K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 345 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.