| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF CALIFORNIA | $177K | — | $177K | 3.50% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND COMPANY | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $62K | $563 | $63K | 1.49% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND COMPANY | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $214K | $33K | $247K | 13.59% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $158K | $16K | $174K | 13.92% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $33K | — | $33K | 3.50% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100K | $13K | $113K | 14.19% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER AND COMPANY | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $30K | $41 | $30K | 10.02% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 15.00% |
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 | 4,669 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 756 | $4.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 10,339 | $5.0M |
| Vision | VISION SERVICE PLAN | 4,300 | $929K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,655 | $1.8M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,650 | $796K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,649 | $1.2M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 756 | $4.2M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,669 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,339 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.