| 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 | $78K | $1K | $79K | 5.61% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $18 | $16K | 10.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $6 | $2K | 5.23% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $856 | — | $856 | 9.22% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC | $513 | — | $513 | 5.73% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | ANTHEM LIFE INSURANCE COMPANY | $451 | — | $451 | 15.65% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 4.42% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600 N LINDON, UT 84042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.77% |
| MICHAEL SHEETS3 Filed as: MICHAEL T STUART | 530 TECHNOLOGY DR STE 100 IRVINE, CA 92618 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.58% |
| 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 | $2 | — | $2 | 0.38% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE STE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.19% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR, SUITE 700 SAN MATEO, CA 94404 | ANTHEM LIFE INSURANCE COMPANY | $48 | — | $48 | 12.94% |
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 | 164 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 272 | $1.5M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 283 | $1.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 283 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $157K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $154K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 272 | $1.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.