| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | ANTHEM HEALTH PLANS, INC. | $32K | — | $32K | 1.38% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $66K | $2K | $68K | 3.08% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE ROUTE 7, SUITE 1 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $53K | — | $53K | 4.08% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 5.61% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $190 | — | $190 | 0.04% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $44K | $11K | $55K | 17.80% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $429 | $86 | $515 | 17.99% |
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 | 658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS, INC. | 1,194 | $6.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 841 | $504K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 841 | $504K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 724 | $311K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 724 | $311K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 724 | $311K |
| Prescription drug(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS, INC. | 1,194 | $6.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 724 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.