| 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. | $101K | — | $101K | 3.08% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $4K | $21K | 5.88% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, STE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 2.27% |
| GREG GOLUB3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | EYEMED VISION CARE | $3K | — | $3K | 11.01% |
| EASTERN BENEFITS GROUP3 | BENEFITS DEPT-READING PO BOX 4000 WAKEFIELD, MA 01880 | EYEMED VISION CARE | $2K | — | $2K | 9.03% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | EYEMED VISION CARE | $201 | — | $201 | 0.84% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 380 | $3.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 526 | $389K |
| Vision | EYEMED VISION CARE | 372 | $24K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 239 | $357K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 239 | $357K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 239 | $357K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 239 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.