| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $208K | $16K | $224K | 9.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | -$135 | — | -$135 | -0.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 0.71% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $109K | $15K | $125K | 22.83% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.70% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $332 | $332 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTH ASSURANCE, INC. EIN 23-7391136 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $5.4M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.0M |
| EXPRESS SCRIPTS, INC. EIN 86-0754726 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $329K |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $113K |
| WOODRUFF-SAWYER & CO. NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 220 BUSH STREET 7TH FLOOR SAN FRANCISCO, CA 94104 | $0 |
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 | 9,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 816 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 150 | $1.5M |
| Dental | DELTA DENTAL OF NEW YORK | 16,784 | $6.5M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,793 | $2.2M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,085 | $500K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 0 | $933K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 150 | $1.5M |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 17,612 | $3.6M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,793 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,612 | — |
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."
No prospect flags tripped on this filing.