| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | PREMERA BLUE CROSS | $60K | — | $60K | 7.07% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVE SUITE 500 PORTLAND, OR 97204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $2K | $16K | 16.47% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS320 MOUNTLAKE TERRAC, WA 68043 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.96% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $552 | — | $552 | 5.36% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 228 | $854K |
| Dental | PREMERA BLUE CROSS | 228 | $854K |
| Vision | VISION SERVICE PLAN | 105 | $10K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $99K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $99K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $99K |
| Prescription drug | PREMERA BLUE CROSS | 228 | $854K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 113 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.