| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $518K | $23K | $541K | 10.41% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $259K | $259K | 4.99% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $758 | $758 | 0.03% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $466K | — | $466K | 22.76% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $82K | $82K | 4.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $263K | $23K | $286K | 14.53% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98K | — | $98K | 5.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $156K | $23K | $179K | 11.46% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78K | — | $78K | 5.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $58K | — | $58K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 1.02% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 5.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.03% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $265 | $265 | 0.03% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $42K | $42K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.34% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | — | $59K | 7.19% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $25K | $29K | 3.50% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | $11K | $83K | 11.59% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 5.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $19K | $23K | 3.52% |
| BUSINESSOLVER.COM, INC.5 Filed as: BUSINESSOLVER.COM, INC | PO BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $25K | $25K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $276 | $276 | 0.06% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.40% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044906 | FOUR EVER LIFE INS CO. | — | $2K | $2K | 1.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $10.1M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.5M |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472330 NONE | Insurance services; Direct payment from the plan; Claims processing Service code 12 | — | $189K |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $139K |
| CVSHEALTH EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $0 |
| WOODRUFF-SAWYER & CO. EIN 94-1625126 NONE | Other commissions; Insurance agents and brokers; 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 | 13,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 395 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 373 | $3.7M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW YORK | 29,750 | $11.0M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $5K |
| Life insurance(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,398 | $9.5M |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,562 | $1.3M |
| Long-term disability(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,217 | $3.3M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 373 | $3.7M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY, INC. | 29,907 | $7.1M |
| Other(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,398 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,907 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.