| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | KAISER FOUNDATION HEALTH PLAN INC | $46K | $0 | $46K | 3.06% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $0 | $30K | 1.95% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | COPOWER - DELTA DENTAL | $7K | $0 | $7K | 8.77% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | COPOWER - DELTA DENTAL | $1K | $0 | $1K | 1.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $181 | $4K | 9.82% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 750004 PETALUMA, CA 94975 | $57K |
| SEQUOIA BENEFITS AND INSURANCE SER ADMINISTRATOR | Contract Administrator Service code 13 | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | $32K |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 139 | $1.5M |
| Dental | COPOWER - DELTA DENTAL | 125 | $84K |
| Vision | KAISER FOUNDATION HEALTH PLAN INC | 139 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $38K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $38K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $38K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 139 | $1.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 127 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.