| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $182K | $33K | $215K | 1.74% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS INSURANCE SERVICES | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 1.57% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.19% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $987 | $987 | 2.37% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS INSURANCE SERVICES | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | FOUR EVER LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INSURANCE COMPANY | $0 | $84 | $84 | 1.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS INSURANCE SERVICES | 1850 GATEWAY DRIVE SAN MATEO, CA 94404 | AETNA LIFE INSURANCE COMPANY | -$237 | $0 | -$237 | — |
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 | 837 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,242 | $13.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,284 | $742K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 785 | $101K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 872 | $650K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 872 | $608K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 872 | $608K |
| Prescription drug(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,242 | $13.1M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 872 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,284 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.