| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR SAN MATEO, CA 94404 | AETNA LIFE INSURANCE CO. | $352K | $0 | $352K | 3.52% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS, LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | $67K | $4K | $71K | 3.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA BOULEVARD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $14 | $7K | 0.35% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $21K | $56K | 3.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA BOULEVARD SUITE 1000 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 0.40% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR SAN MATEO, CA 94404 | AETNA HEALTH, INC. | $22K | $0 | $22K | 3.52% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $793 | $0 | $793 | 9.99% |
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 | 774 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,310 | $12.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $1.5M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $1.5M |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,310 | $12.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 831 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,310 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.