| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | CALIFORNIA PHYSICIANS' SERVICE | $34K | — | $34K | 4.33% |
| ROGERS BENEFIT GROUP INC3 Filed as: RBG SAN JOSE | 6155 ALMADEN EXPWY 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS' SERVICE | — | $22K | $22K | 2.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | CALIFORNIA PHYSICIANS' SERVICE | $18K | — | $18K | 4.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS' SERVICE | — | $8K | $8K | 2.13% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS' SERVICE | $2K | — | $2K | 0.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 2.63% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $454 | — | $454 | 0.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $2K | $16K | 9.96% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR STE 260 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.94% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | — | $696 | $696 | 0.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 4.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.30% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $301 | — | $301 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 6.87% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $100 | — | $100 | 0.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $57 | — | $57 | 0.27% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $22 | — | $22 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | CHOICEBUILDER | $866 | — | $866 | 8.96% |
| CRC BENEFITS3 | 12377 MERIT DRIVE SUITE 825 DALLAS, TX 75251 | CHOICEBUILDER | $257 | — | $257 | 2.66% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | CHOICEBUILDER | $101 | — | $101 | 1.04% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 76 | $1.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $175K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 77 | $31K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $165K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $165K |
| Prescription drug(5 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 76 | $1.4M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 193 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.