| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN INC | $37K | $1 | $37K | 3.25% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA ST 12TH FL SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $1K | $20K | 1.79% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA ST 12TH FL SAN FRANCISCO, CA 94111 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $9K | 8.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | $603 | $9K | 8.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $437 | $6K | 8.13% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA ST 12TH FL SAN FRANCISCO, CA 94111 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $1K | $6K | 7.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 3.33% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA ST 12TH FL SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $92 | $1K | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $237 | $3K | 8.02% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA ST 12TH FL SAN FRANCISCO, CA 94111 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $729 | $3K | 8.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. | 50 CALIFORNIA ST 12TH FL SAN FRANCISCO, CA 94111 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $620 | — | $620 | 15.00% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 163 | $1.2M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $109K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $79K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 0 | $43K |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 491 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.