| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 475 KILVERT ST STE 205 WARWICK, RI 02886 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 5.06% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.47% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.36% |
| WITH GUSTO INSURANCE SERVICE LLC3 Filed as: WITH GUSTO INSURANCE SERVICES LLC | 500 3RD STREET SUITE 405 SAN FRANCISCO, CA 94107 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.52% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY STE 700 ATLANTA, GA 30328 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.66% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| WITH GUSTO INSURANCE SERVICE LLC3 Filed as: WITH GUSTO INSURANCE SERVICES LLC | 525 20TH ST SAN FRANCISCO, CA 94107 | PRINCIPAL LIFE INSURANCE COMPANY | -$222 | — | -$222 | -0.53% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $1.3M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 176 | $102K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $42K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $42K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $42K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.