| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $224K | $53K | $277K | 11.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | -$71 | -$101 | -$172 | -0.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $20K | $20K | 2.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | -$91 | -$91 | -0.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 2.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | -$4 | -$4 | -0.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $82K | $17K | $98K | 24.13% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | FOUR EVER LIFE INS CO. | $2K | $1K | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTH ASSURANCE, INC. EIN 23-7391136 NONE | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $3.9M |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $829K |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $599K |
| EXPRESS SCRIPTS, INC. EIN 86-0754726 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $229K |
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 | 5,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 117 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 11,784 | $3.7M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,933 | $2.4M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,828 | $519K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,166 | $980K |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 117 | $1.1M |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 12,781 | $2.2M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,933 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,781 | — |
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.