| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $168K | $68K | $237K | 17.32% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $65K | $70K | $134K | 9.83% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $73K | $73K | 5.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN, INC | $5K | $0 | $5K | 0.48% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC | $715 | $0 | $715 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $45K | $17K | $62K | 13.73% |
| THE ULTIMATE SOFTWARE GROUP3 | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $21K | $21K | 4.76% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $0 | $21K | $21K | 4.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $6K | $0 | $6K | 2.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $0 | $3K | 1.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $703 | $0 | $703 | 0.23% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLANOF COLORADO | $203 | $0 | $203 | 0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $5K | $0 | $5K | 5.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $849 | $0 | $849 | 0.99% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $70 | $0 | $70 | 0.08% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATIN HEALTH PLAN OF GEORGIA, INC. | $827 | $0 | $827 | 1.22% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $365 | $0 | $365 | 1.09% |
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 | 4,788 | 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) | 4,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 120 | $2.2M |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 120 | $1.6M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 3,463 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,790 | $2.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,790 | $1.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,220 | $452K |
| Prescription drug(7 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 120 | $2.2M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 6,006 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,006 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.