| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $2K | $59K | 5.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 1780 N KROME AVE HOMESTEAD, FL 33030 | UNITEDHEALTHCARE INSURANCE COMPANY | -$112 | — | -$112 | -0.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $12 | $7K | 5.34% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | $6K | — | $6K | 20.44% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | — | $4K | $4K | 11.59% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | — | $1K | $1K | 4.06% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | -$1 | — | -$1 | -0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | -$7 | — | -$7 | -0.02% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | LEGAL CLUB OF AMERICA | $612 | — | $612 | 6.17% |
| CHRISTOPHER MICHAEL SHEALY3 Filed as: CHRISTOPHER SHEALY | SHEALY BENEFITS SERVICES, INC. 215 HOGAN WAY LEXINGTON, SC 29072 | LEGAL CLUB OF AMERICA | $64 | — | $64 | 0.65% |
| WILL KRAMER3 | 249 WEST BOWMORE DR BLYTHEWOOD, SC 29016 | LEGAL CLUB OF AMERICA | $60 | — | $60 | 0.61% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED COLONIAL SCH A | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $62 | $733 | 14.97% |
| ESQUEN INSURANCE GROUP CORP3 | 14552 SW 152ND PLACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 3.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 8825 NW 21ST TERRACE DORAL, FL 33172 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.73% |
| ERIN WIGGINS3 | 1738 MOHAWK AVE CHARLESTON, SC 29412 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.68% |
| WILLIAM KRAMER3 | 249 WEST BOWMORE DR BLYTHEWOOD, SC 29016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.34% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.34% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $134K |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
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.