| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $1K | $30K | 3.12% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.04% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $236 | $1K | 12.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $466 | $466 | 4.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $768 | $134 | $902 | 11.75% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $307 | $307 | 4.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124 | $24 | $148 | 11.91% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $50 | $50 | 4.02% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 95 | $972K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $113K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 26 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 95 | $972K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.