| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 2.56% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 2.44% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.00% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.70% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $1 | $4K | 1.66% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.93% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $781 | — | $781 | 0.90% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.80% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.17% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST FL 11 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.56% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.40% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.25% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.23% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $608 | — | $608 | 3.21% |
| JSF BENEFITS INC3 | 48 GOLD ST STE 200 SAN FRANCISCO, CA 94133 | STANDARD INSURANCE COMPANY | $893 | — | $893 | 6.89% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $713 | — | $713 | 5.50% |
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 | 179 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.7M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 138 | $166K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $92K |
| Short-term disability | STANDARD INSURANCE COMPANY | 74 | $19K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.