| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $125K | — | $125K | 4.99% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | $3K | — | $3K | 4.99% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $686 | — | $686 | 1.48% |
| TOTALIS BENEFITS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $343 | $343 | 0.74% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.03% |
| TOTALIS BENEFITS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $308 | $308 | 0.76% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $656 | — | $656 | 2.17% |
| TOTALIS BENEFITS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $219 | $219 | 0.73% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | — | $243 | 2.26% |
| TOTALIS BENEFITS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 0.75% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84 | — | $84 | 1.41% |
| TOTALIS BENEFITS3 | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $42 | $42 | 0.71% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 276 | $2.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 276 | $2.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | 340 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 390 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 70 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $30K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 276 | $2.5M |
| Other(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | 340 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.