| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS SERVICE | — | $56K | $56K | 5.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $50K | — | $50K | 5.01% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA ST FLR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | -$45 | — | -$45 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 9.84% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $51 | $5K | 3.58% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST FLR 12 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $142 | $384 | $526 | 0.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.90% |
| SOURCEWELL3 | PO BOX 219 STAPLES, MN 56479 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $515 | $515 | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $856 | $3K | 19.91% |
| SOURCEWELL3 | PO BOX 219 STAPLES, MN 56479 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $349 | $349 | 2.00% |
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 | 105 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 96 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $140K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $26K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 96 | $2.1M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.