| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $44 | $28K | 5.76% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $30K | $1K | $31K | 10.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $11K | $11K | 3.61% |
| PETROCELLI JR, ROBERT H3 | 1300 CONCORD TERRACE 5TH FLOOR SUNRISE, FL 33323 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.10% |
| YOO, JOYCE3 | 1425 W FULLERTON AVE CHICAGO, IL 60614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.10% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $952 | $952 | 0.51% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $54 | $6K | 4.78% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 5005 MEADOWS RD STE 415 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $499 | — | $499 | 0.43% |
| PETROCELLI JR, ROBERT H3 | 1300 CONCORD TERRACE 5TH FLOOR SUNRISE, FL 33323 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.50% |
| YOO, JOYCE3 | 1425 W FULLERTON AVE CHICAGO, IL 60614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.50% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $83 | $83 | 0.48% |
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 | 277 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 57 | $598K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 193 | $302K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 193 | $302K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $185K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $185K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 57 | $598K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 231 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.