| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80K | $80K | 0.66% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $388K | $3K | $391K | 10.01% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $194K | $194K | 4.97% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $281K | $3K | $284K | 10.09% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141K | — | $141K | 5.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $185K | — | $185K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | — | $92K | 5.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $77K | — | $77K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.17% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | — | $76K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.09% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | — | $73K | 6.62% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $55K | $55K | 5.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $50K | $50K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | — | $91K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 5.00% |
| BUSINESSOLVER.COM, INC.5 Filed as: BUSINESSOLVER.COM, INC | PO BOX 310411 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | — | $28K | $28K | 5.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS. CO. | $2K | — | $2K | 1.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044906 | FOUR EVER LIFE INS CO. | $2K | — | $2K | 1.00% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.46% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. | 88 ROWLAND WAY SUITE 180 NOVATO, CA 94945 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $10.4M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.3M |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $146K |
| CVSHEALTH EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $144K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472330 NONE | Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $85K |
| WOODRUFF-SAWYER & CO. EIN 94-1625126 NONE | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers 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 | 13,674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 414 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 381 | $9.1M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 30,890 | $15.0M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 380 | $2.7M |
| Life insurance(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,468 | $9.7M |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,043 | $1.6M |
| Long-term disability(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,773 | $3.4M |
| Prescription drug(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 381 | $9.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY, INC. | 30,455 | $8.0M |
| Other(7 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,278 | $10.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,890 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.