| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 3.07% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 2.07% |
| RYAN C BEDROSAIN3 | 39 MAIN STREET TIBURON, CA 94920 | CALIFORNIA PHYSICIANS' SERVICE | $13K | — | $13K | 2.23% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS' SERVICE | $13K | — | $13K | 2.21% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | CALIFORNIA PHYSICIANS' SERVICE | $10K | — | $10K | 1.71% |
| RYAN C BEDROSAIN3 | INDEPENDENT RONALD BEDROSIAN REDWOOD CITY, CA 94920 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $7K | — | $7K | 8.33% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $6K | — | $6K | 7.51% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | $2K | — | $2K | 2.48% |
| RYAN C BEDROSAIN3 | 39 MAIN STREET TIBURON, CA 94920 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 8.44% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.59% |
| RYAN C BEDROSAIN3 | 39 MAIN STREET TIBURON, CA 94920 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.91% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.18% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.71% |
| RYAN C BEDROSAIN3 | 39 MAIN STREET TIBURON, CA 94920 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.67% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.59% |
| RYAN C BEDROSAIN3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $480 | — | $480 | 2.49% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $339 | — | $339 | 1.76% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | VISION SERVICE PLAN | $309 | — | $309 | 1.60% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | P.O. BOX 7746 CITRUS HEIGHTS, CA 95621 | STANDARD INSURANCE COMPANY | $392 | — | $392 | 8.42% |
| RYAN C BEDROSAIN3 | 39 MAIN STREET TIBURON, CA 94920 | STANDARD INSURANCE COMPANY | $383 | — | $383 | 8.22% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $56 | — | $56 | 1.20% |
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 | 240 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 79 | $1.3M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE CO. OF AMERICA | 126 | $83K |
| Vision | VISION SERVICE PLAN | 100 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 190 | $34K |
| Short-term disability | STANDARD INSURANCE COMPANY | 190 | $25K |
| Long-term disability | STANDARD INSURANCE COMPANY | 190 | $77K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 79 | $668K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 190 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.