| 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 | $172K | — | $172K | 2.34% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SAN MATEO, CA 94404 | DELTA DENTAL OF COLORADO | $61K | — | $61K | 14.51% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $8K | $46K | 12.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 3.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 12.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $9K | — | $9K | 9.99% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $5K | — | $5K | 4.96% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 13.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $579 | $4K | 14.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $317 | — | $317 | 4.43% |
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 | 644 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 981 | $7.6M |
| Dental | DELTA DENTAL OF COLORADO | 1,141 | $421K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 1,094 | $93K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 627 | $488K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 627 | $386K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 627 | $386K |
| Prescription drug(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 981 | $7.6M |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 627 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,141 | — |
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."
No prospect flags tripped on this filing.