| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $426K | $28K | $455K | 3.58% |
| NY-GJK INSURANCE AGENCY3 Filed as: GJK INSURANCE AGENCY, LLC | 100 WOOD AVENUE SOUTH ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.02% |
| PAUL GLOBAL BENEFITS INC3 | PO BOX 95000 LB# 1803 PHILADELPHIA, PA 19195 | UNITEDHEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $1 | $15K | 2.67% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.18% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $699 | $38K | 8.43% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.62% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $433 | $25K | 8.44% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.58% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $335 | $19K | 8.44% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.59% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $187 | $4K | 2.14% |
| WORLD INSURANCE ASSOCIATES LLC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | — | $740 | 0.41% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.10% |
| PAUL GLOBAL BENEFITS INC3 | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 1.66% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.42% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.12% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.39% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METLIFE LEGAL PLANS | $4K | — | $4K | 8.46% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL GLOBAL BENEFITS | 6851 JERICHO TPKE STE 270 SYOSSET, NY 11791 | COMBINED INSURANCE | $11K | — | $11K | 41.70% |
| BENEFITS ALL IN LLC3 Filed as: BENEFITS ALL IN | — | COMBINED INSURANCE | $82 | — | $82 | 0.32% |
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 | 1,139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,824 | $13.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,824 | $12.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,824 | $12.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,419 | $448K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,137 | $227K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,137 | $295K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 89 | $628K |
| Other(7 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,824 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,824 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.