| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SVCS LL | 1850 GATEWAY DR. STE. 600 SAN MATEO, CA 944044067 | BLUE CROSS OF CALIFORNIA | — | $411K | $411K | 5.73% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DR. STE. 700 SAN MATEO, CA 944044067 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | $631 | $25K | 4.18% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE | 1850 GATEWAY DR. STE. 700 SAN MATEO, CA 944044067 | DELTA DENTAL OF CALIFORNIA | $52K | — | $52K | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS | 1850 GATEWAY DR. STE. 700 SAN MATEO, CA 944044067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 11.99% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $797 | $797 | 0.50% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS | 1850 GATEWAY DR. STE. 700 SAN MATEO, CA 944044067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.95% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SVCS LL | 1850 GATEWAY DR. STE. 700 SAN MATEO, CA 944044067 | VISION SERVICE PLAN | $10K | — | $10K | 9.93% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS | 1850 GATEWAY DR. STE. 700 SAN MATEO, CA 944044067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.97% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $693 | $693 | 0.99% |
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 | 1,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,098 | $7.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,341 | $519K |
| Vision | VISION SERVICE PLAN | 672 | $97K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 675 | $70K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 675 | $160K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,350 | $107K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,098 | $7.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,350 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.