| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $86K | $1K | $88K | 5.44% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | BLUE CROSS OF CALIFORNIA | $18 | — | $18 | 0.00% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 4.52% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC | $1K | — | $1K | 4.58% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 21.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $839 | $14 | $853 | 5.44% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $921 | — | $921 | 10.42% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600 N LINDON, UT 84042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.05% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | ANTHEM LIFE INSURANCE COMPANY | $11 | — | $11 | 0.15% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 4.39% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600 N LINDON, UT 84042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.89% |
| MICHAEL SHEETS3 Filed as: MICHAEL T STUART | 530 TECHNOLOGY DR STE 100 IRVINE, CA 92618 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SVCS, INC | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.33% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $14 | $14 | 0.22% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 297 | $1.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 297 | $1.6M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 274 | $16K |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 339 | $50K |
| Short-term disability(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 339 | $41K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 297 | $1.7M |
| Other(5 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 339 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.