| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 4.85% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $718 | $2K | 9.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $537 | $537 | 2.95% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $820 | $4K | 19.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $909 | $909 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $554 | $3K | 23.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $717 | $717 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $615 | $615 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 25.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $279 | $279 | 4.99% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691 | $82 | $773 | 16.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $230 | $230 | 4.99% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | $144 | $462 | 14.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 2300 CONTRA COSTA BLVD, SUITE 600 PLEASANT HILL, CA 94523 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $159 | $159 | 5.00% |
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 | 155 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 355 | $981K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 355 | $981K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 355 | $981K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 229 | $18K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $18K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 355 | $981K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.