| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $141K | $14K | $155K | 3.84% |
| WOODRUFF-SAWYER & CO3 | 2295 GATEWAY OAKS DRIVE, SUITE 230 SACRAMENTO, CA 95833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $92K | — | $92K | 7.78% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $3K | — | $3K | 2.17% |
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 | 283 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 560 | $4.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 600 | $348K |
| Vision | VISION SERVICE PLAN | 635 | $157K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $1.2M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 560 | $4.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 287 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.