| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 5.61% |
| HENDERSON STRATEGIC FIN INS SVCS3 | 445 SHERMAN AVE SUITE H PALO ALTO, CA 943060339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 4.35% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 3.98% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 2.95% |
| HENDERSON STRATEGIC FIN INS SVCS3 Filed as: HENDERSON STRATEGIC FINANCIAL INS | P.O. BOX 60339 PALO ALTO, CA 943060339 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.03% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 943060339 | VISION SERVICE PLAN | $2K | — | $2K | 1.32% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | — | $1K | 0.82% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.72% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $704 | — | $704 | 0.60% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.11% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.52% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.56% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.44% |
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 | 426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 82 | $337K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 362 | $551K |
| Vision | VISION SERVICE PLAN | 390 | $162K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $142K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $73K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
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.