| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $88K | $7 | $88K | 4.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SVCS., INC. | 777 MARINERS ISL BLVD #250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | — | $2K | $2K | 0.08% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $3K | $40K | 8.74% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SVCS., INC. | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | $3K | $3K | 0.57% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.57% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $280 | $3K | 16.85% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $842 | — | $842 | 4.55% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.50% |
| ABD INS. AND FINANCIAL SVCS., INC.4 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DR, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $858 | — | $858 | 5.97% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $219 | $3K | 19.90% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $795 | — | $795 | 5.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $120 | $2K | 16.91% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $437 | — | $437 | 4.40% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 259 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $454K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 619 | $454K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 299 | $122K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 259 | $1.9M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.