| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST, 12 FLOOR SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $388K | — | $388K | 6.11% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS, INC | 8777 N GAINEY CENTER DR SUITE 260 SCOTTSDALE, AZ 85258 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $124K | $33K | $157K | 2.47% |
| RYAN SPECIALTY BENEFITS3 Filed as: RYAN SPECIALTY, LLC | 152 N WACKER DR CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $255K | $255K | 4.82% |
| ACE BENEFIT PARTNERS, INC.3 Filed as: ACE BENEFIT PARTNERS, INC | 1013 E WINDING CREEK DR EAGLE, ID 836167060 | RELIASTAR LIFE INSURANCE COMPANY | — | $221K | $221K | 4.18% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $204K | $499 | $205K | 4.83% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 941114646 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $51 | $21K | 5.43% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: INSURANCETOGO-WORLDWIDE INS. AGENCY | — | TRIPLE-S SALUD, INC. | $2K | — | $2K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., 12TH FLOOR SAN FRANCISCO, CA 94111 | FOUR EVER LIFE INS CO. | $343 | — | $343 | 15.02% |
| ANTHEM INSURANCE COMPANIES, INC.3 | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044906 | FOUR EVER LIFE INS CO. | — | $23 | $23 | 1.01% |
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 | 4,579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 699 | $4.7M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 12 | $75K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,524 | $547K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,605 | $6.4M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,605 | $6.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,605 | $6.4M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 699 | $4.7M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,605 | $11.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,605 | — |
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.