| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $85K | $1K | $86K | 5.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: RBG SAN JOSE | 6155 ALMADEN EXPWY #210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $31K | — | $31K | 1.83% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 3.88% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.45% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $462 | $462 | 1.16% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 16.84% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $346 | $346 | 1.57% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 265 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $136K |
| Vision | VISION SERVICE PLAN | 115 | $19K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 68 | $22K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 55 | $40K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 265 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 68 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.