| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | BLUE CROSS OF CALIFORNIA | $44K | $3 | $44K | 3.30% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | — | $28K | $28K | 2.13% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | 0.68% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 35 PARKWOOD DR STE 200 HOPKINTON, MA 01748 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.17% |
| 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 | $2K | $11 | $2K | 0.94% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | — | $46 | 0.02% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 35 PARKWOOD DR STE 200 HOPKINTON, MA 01748 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.48% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS LLC | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.65% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.46% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 35 PARKWOOD DR STE 200 HOPKINTON, MA 01748 | WOLFPACK INSURANCE SERVICES, INC. | $2K | — | $2K | 7.95% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 600 SAN MATEO, CA 94404 | WOLFPACK INSURANCE SERVICES, INC. | $469 | — | $469 | 2.05% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 241 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $229K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 129 | $55K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $197K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $197K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $197K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 22 | $103K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.