| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $239K | $10K | $250K | 5.10% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FLOOR 12 SAN FRANCISCO, CA 94111 | BLUE CROSS & BLUE SHIELD OF WISCONSIN | $16K | $689 | $16K | 5.12% |
| WOODRUFF-SAWYER & CO3 | PO BOX 609 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $23K | 10.25% |
| WOODRUFF-SAWYER & CO3 | PO BOX 609 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $759 | $11K | 10.75% |
| WOODRUFF-SAWYER & CO3 | PO BOX 609 SANTA BARBARA, CA 93102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $138 | $2K | 10.75% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 490 | $4.9M |
| Dental | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 726 | $322K |
| Vision | BLUE CROSS & BLUE SHIELD OF WISCONSIN | 726 | $322K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $330K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $229K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $248K |
| Prescription drug | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 490 | $4.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.