| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | — | $38K | 2.24% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | BLUECROSS BLUESHIELD OF ILLINOIS | $29K | — | $29K | 1.73% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT RISK MGT INC | 823 COMMERCE DR #350 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | — | $8K | 0.49% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.01% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.77% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.89% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.11% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.95% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.05% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | EYEMED VISION CARE | $792 | — | $792 | 5.31% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | EYEMED VISION CARE | $556 | — | $556 | 3.73% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $905 | — | $905 | 11.17% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $310 | — | $310 | 3.82% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY INC | 195 BROADWAY 15TH FL NEW YORK CITY, NY 10007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $509 | — | $509 | 8.15% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $428 | — | $428 | 6.85% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 254 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $110K |
| Vision | EYEMED VISION CARE | 204 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $19K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
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.