| 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 | $61K | — | $61K | 2.05% |
| INTRINSIC SOLUTIONS INSURANCE3 Filed as: INTRINSIC SOLUTIONS INSURANCE AGENC | 1968 SOUTH COAST HIGHWAY # 2125 LAGUNA BEACH, CA 92651 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 0.40% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | — | $5K | $5K | 0.18% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $149K | — | $149K | 60.07% |
| INTRINSIC SOLUTIONS INSURANCE3 Filed as: INTRINSIC SOLUTIONS INSURANCE AGENC | 1968 SOUTH COAST HIGHWAY #2125 LAGUNA BEACH, CA 92651 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 4.78% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $2K | — | $2K | 3.15% |
| INTRINSIC SOLUTIONS INSURANCE3 Filed as: INTRINSIC SOLUTIONS INSURANCE AGENC | 1968 SOUTH COAST HIGHWAY #2125 LAGUNA BEACH, CA 92651 | VISION SERVICE PLAN | $146 | — | $146 | 0.25% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 507 | $6.6M |
| Vision | VISION SERVICE PLAN | 320 | $59K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $248K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $248K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 507 | $3.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 112 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.