| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $249K | $33K | $281K | 10.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $133K | — | $133K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $3K | $3K | 0.15% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $399K | — | $399K | 23.01% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $69K | $69K | 4.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159K | $33K | $191K | 12.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79K | — | $79K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | — | $72K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | — | $63K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.29% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $30K | $103K | 11.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 5.47% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $16K | $91K | 12.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 5.45% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCT SVCS | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 5.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25K | $25K | 4.14% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $1K | $1K | 0.25% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $225 | $225 | 0.06% |
| BUSINESSOLVER.COM, INC.5 Filed as: BUSINESSOLVER.COM, INC | PO BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $19K | $19K | 5.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044906 | FOUR EVER LIFE INS CO. | — | $4K | $4K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $9.5M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.9M |
| CVSHEALTH EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $552K |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $145K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472330 NONE | Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $69K |
| WOODRUFF-SAWYER & CO. EIN 94-1625126 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; 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 | 14,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 381 | $2.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 30,875 | $11.3M |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,990 | $5.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,763 | $1.3M |
| Long-term disability(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,868 | $3.5M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 381 | $2.8M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY, INC. | 31,449 | $7.2M |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,990 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.