| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVENUE SUITE 2240 EL SEGUNDO, CA 90245 | CALIFORNIA PHYSICIANS SERVICE | $60K | — | $60K | 2.65% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | $53K | — | $53K | 2.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN, INC. | 701 S PARKER ST, 8TH FL ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | — | $43K | $43K | 1.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 2321 ROSECRANS AVE SUITE 2240 EL SEGUNDO, CA 90245 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.34% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 6711 COLUMBIA GATEWAY DR COLUMBIA, MD 21046 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 2.69% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 2321 ROSECRANS AVENUE SUITE 2240 EL SEGUNDO, CA 90245 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE CO. | $385 | — | $385 | 5.37% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE CO. | $332 | — | $332 | 4.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE CO. | $135 | — | $135 | 1.88% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 353 | $2.5M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 438 | $214K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 438 | $214K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE CO. | 303 | $7K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 353 | $2.5M |
| Other | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE CO. | 303 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.