| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $48K | $101 | $48K | 5.64% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | KAISER FOUNDATION HEALTH PLAN INC | $88 | — | $88 | 0.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $21 | $18K | 5.86% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 8000 NORTHMAN CENTER DR STE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $12K | 3.80% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 1475 S PRICE RD CHANDLER, AZ 85286 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1.83% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $687 | — | $687 | 6.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $539 | — | $539 | 5.75% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $515 | — | $515 | 5.50% |
No Schedule C service providers reported on this filing.
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 141 | $850K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $307K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $307K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $307K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $307K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $307K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 141 | $850K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 537 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.