| 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 | $116K | $3K | $119K | 5.05% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 20.00% |
| ALTERITY BROKER SOLUTIONS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| ALTERITY BROKER SOLUTIONS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | $1K | $23 | $1K | 5.05% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ALTERNATY BROKER SOLUTIONS, INC.3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $782 | $782 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 23.13% |
| ALTERNATY BROKER SOLUTIONS, INC.3 | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $570 | $570 | 4.62% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| ALTERITY BROKER SOLUTIONS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 2 PARK PLAZA STE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $430 | — | $430 | 10.00% |
| ALTERITY BROKER SOLUTIONS3 | 8201 N HAYDEN RD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $215 | — | $215 | 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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 290 | $2.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 290 | $2.4M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | 241 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 70 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $22K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 290 | $2.4M |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
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.