| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $173K | $0 | $173K | 4.41% |
| TOREY EDWARDS3 | 4211 EAST 4TH STREET, APARTMENT 2 LONG BEACH, CA 90814 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | $0 | $45K | 1.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE CALIFORNIA | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 0.19% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & COMPANY | 1050 SW 6TH AVENUE, SUITE 1000 PORTLAND, OR 97204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.41% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $5K | $7K | 4.94% |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,159 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,159 | $3.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,159 | $3.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,159 | $3.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $147K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $147K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,159 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,159 | — |
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.