| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $155K | — | $155K | 2.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $107K | — | $107K | 1.75% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | DELTA DENTAL OF NEW YORK | $23K | — | $23K | 6.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET SAN DIEGO, CA 92101 | DELTA DENTAL OF NEW YORK | $15K | — | $15K | 3.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $11K | $20K | 7.39% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.57% |
| COMPSYCH3 | 455 N CITYFRONT PLZ DR NBC TOWER CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $1K | — | $1K | 1.89% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $780 | — | $780 | 1.06% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 978 | $6.1M |
| Dental | DELTA DENTAL OF NEW YORK | 964 | $378K |
| Vision | VISION SERVICE PLAN | 459 | $73K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 592 | $275K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 592 | $275K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 592 | $275K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 592 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.