| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $77K | $1K | $78K | 5.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 0.33% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $1 | $12K | 2.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 2.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $4 | $13K | 4.91% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 4.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 4.78% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST STE 226 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.97% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 9.65% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST., SUITE 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.49% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRINCIPAL LIFE INSURANCE COMPANY | -$56 | — | -$56 | -0.03% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 166 | $2.1M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $438K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $438K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $438K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $438K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $438K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 109 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.