| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | ANTHEM HEALTH PLANS, INC. | $62K | — | $62K | 1.56% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $60K | $1K | $62K | 3.07% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE ROUTE 7, SUITE 1 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $55K | — | $55K | 4.06% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | $4K | $41K | 5.25% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $44K | — | $44K | 7.89% |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS, INC. | 689 | $7.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 561 | $782K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 561 | $782K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 599 | $564K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 599 | $564K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 599 | $564K |
| Prescription drug(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS, INC. | 689 | $7.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 620 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.