| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS, LLC. | 2425 NORTH CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | AETNA LIFE INSURANCE COMPANY | $296K | $0 | $296K | 3.17% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 0.23% |
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS, LLC. | 2425 NORTH CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | AETNA HEALTH, INC. | $57K | — | $57K | 3.20% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND CO | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | AETNA HEALTH, INC. | $5K | — | $5K | 0.27% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 8777 NORTH GAINEY CENTER DRIVE SUITE 260 SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | $0 | $97K | $97K | 6.13% |
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS, LLC. | 2425 NORTH CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | HARTFORD LIFE AND ACCIDENT | $93K | $0 | $93K | 5.86% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 0.52% |
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS, LLC. | 2425 NORTH CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.83% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $382 | $14 | $396 | 0.08% |
| SYMPHONY RISK SOLUTIONS, LLC3 | 2425 NORTH CENTRAL EXPRESSWAY RICHARDSON, TX 75080 | VISION SERVICE PLAN | $4K | — | $4K | 1.72% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $1K | — | $1K | 0.45% |
| SYMPHONY RISK SOLUTIONS, LLC3 Filed as: SYMPHONY RISK SOLUTIONS, LLC. | 2425 NORTH CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | RELIASTAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 18.60% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $749 | $2K | $3K | 4.04% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS | UNKNOWN EMERYVILLE, CA 94608 | COMBINED INSURANCE COMPANY | $10K | — | $10K | 21.27% |
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 | 467 | 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) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 786 | $11.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 960 | $491K |
| Vision | VISION SERVICE PLAN | 996 | $226K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 419 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 419 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 419 | $1.6M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 786 | $9.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 517 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.