| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $3K | $30K | 9.30% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $7K | $14K | 4.24% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.27% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 13.71% |
| ALTERITY BROKER SOLUTIONS3 | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.31% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $175 | $66 | $241 | 13.72% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 137 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $61K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $319K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $115K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $53K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.