| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | — | $150K | $150K | 1.31% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $126K | $126K | 1.10% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $544K | $25K | $569K | 10.35% |
| TOTALIS BENEFITS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $166K | $166K | 3.02% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $121K | $121K | 2.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 0.17% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $448K | $33K | $481K | 10.74% |
| TOTALIS BENEFITS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $83K | $121K | 2.71% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $102K | $102K | 2.29% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $291 | $291 | 0.01% |
| TOTALIS BENEFITS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $59K | $79K | 2.60% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73K | $73K | 2.40% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 0.54% |
| TOTALIS BENEFITS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $59K | $89K | 2.96% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $61K | $61K | 2.04% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 0.55% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $583K | — | $583K | 20.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $117K | $117K | 4.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $199K | $33K | $232K | 11.64% |
| TOTALIS BENEFITS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $38K | $62K | 3.09% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 1.91% |
| TOTALIS BENEFITS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $38K | $38K | 2.75% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $31K | $31K | 2.25% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 1.20% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $93 | $93 | 0.01% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99K | $16K | $115K | 11.66% |
| TOTALIS BENEFITS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $19K | $30K | 3.08% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 1.92% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $498 | $498 | 0.06% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $92K | $21 | $92K | 15.47% |
| BUSINESSSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $24K | $24K | 4.03% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $13K | — | $13K | 2.38% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 6.45% |
| TOTALIS BENEFITS3 | 7272 EAST INDIAN SCHOOL ROAD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 5.00% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING | 1151 RED MILE RD LEXINGTON, KY 40504 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $81K | — | $81K | 43.15% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R NELLIGAN & ASSOCS | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $33K | $33K | 17.26% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 7272 E INDIAN SCHOOL RD #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 6.95% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.85% |
| TOTALIS BENEFITS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.80% |
| SBR SERVICES LLC3 Filed as: SBR SERVICES | 2839 PACES FERRY RD ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.20% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 1.18% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS. CO. | $772 | — | $772 | 1.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 5005 MEADOWS RD STE 415 LAKE OSWEGO, OR 97035 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 4.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $550 | — | $550 | 3.50% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN INC | $47 | — | $47 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANY EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $10.6M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| VISION SERVICE PLAN EIN 22-2777159 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $141K |
| LINCOLN NATIONAL LIFE INSURANCE CO. EIN 35-0472330 NONE | Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $114K |
| WOODRUFF-SAWYER & CO. EIN 94-1625126 NONE | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 220 BUSH STREET 7TH FLOOR SAN FRANCISCO, CA 94104 | $0 |
| CVSHEALTH EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | — | -$1.6M |
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 | 18,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(13 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 389 | $10.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 30,395 | $11.5M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $8K |
| Life insurance(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 7,550 | $12.3M |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,466 | $3.1M |
| Long-term disability(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,900 | $5.6M |
| Prescription drug(13 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 389 | $10.0M |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY, INC. | 28,583 | $8.1M |
| Other(8 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18,705 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,395 | — |
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.