| 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. | $7K | $715 | $8K | 2.38% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 10.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $305 | $2K | 11.55% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $788 | $788 | 4.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $178 | $1K | 11.49% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $477 | $477 | 4.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $802 | — | $802 | 6.92% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, STE 600 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28 | $29 | $57 | 20.14% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11 | $11 | 3.89% |
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 | 84 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 45 | $341K |
| Dental | DELTA DENTAL OF CALIFORNIA | 81 | $83K |
| Vision | VISION SERVICE PLAN | 79 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 45 | $341K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $283 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.