| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 100 STONY POINT RD, #160 SANTA ROSA, CA 95401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | — | $65K | 2.83% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $50K | — | $50K | 2.17% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | DBA VANTREO INS BROKERAGE 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.68% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.44% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 9655 GRANITE RIDGE DR STE 500 SAN DIEGO, CA 92123 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.66% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 2001 WILSHIRE BLVD STE 101 SANTA MONICA, CA 90403 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.62% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVE STE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $741 | $741 | 0.35% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $461 | $4K | 6.48% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $387 | $3K | 6.47% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.33% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $921 | — | $921 | 2.69% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | VISION SERVICE PLAN | $613 | — | $613 | 1.79% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $677 | $2K | 6.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.64% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $134 | $1K | 6.56% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $746 | — | $746 | 4.20% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $868 | $12 | $880 | 5.84% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $639 | — | $639 | 4.24% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1950 W CORPORATE WAY #1 ANAHEIM, CA 92801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $800 | $121 | $921 | 6.58% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE SUITE 600 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $598 | — | $598 | 4.27% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 135 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $212K |
| Vision | VISION SERVICE PLAN | 154 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $49K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.