| 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 | $164K | — | $164K | 6.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $60K | $60K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $40K | $40K | 3.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $21K | $21K | 2.55% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $2K | $2K | 0.23% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $125K | — | $125K | 21.28% |
| BUSINESSOLVER.COM, INC.5 Filed as: BUSINESSOLVER.COM, INC | PO BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $4K | $4K | 3.06% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $192 | $192 | 0.21% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044906 | FOUR EVER LIFE INS CO. | — | $1K | $1K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVSHEALTH EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $24.5M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $958K |
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $697K |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $108K |
| WOODRUFF-SAWYER & CO. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions 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 | 8,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,042 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 152 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 16,436 | $6.3M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,200 | $2.4M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,299 | $812K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,027 | $1.1M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 152 | $1.2M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY, INC. | 17,026 | $3.9M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 5,200 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,026 | — |
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.