| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER | 2295 GATEWAY OAKS DRIVE SUITE 230 SACRAMENTO, CA 95833 | SUTTER HEALTH PLAN | $81K | $0 | $81K | 4.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $42K | $17K | $60K | 11.26% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | DELTA DENTAL OF CALIFORNIA | $5K | $0 | $5K | 1.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.22% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.50% |
| LONG TERM CARE SOLUTIONS, INC.3 | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.50% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 330 | $2.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 873 | $474K |
| Vision | VISION SERVICE PLAN | 865 | $147K |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $531K |
| Short-term disability | STANDARD INSURANCE COMPANY | 142 | $531K |
| Long-term disability | STANDARD INSURANCE COMPANY | 142 | $531K |
| Prescription drug | SUTTER HEALTH PLAN | 330 | $2.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 150 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.