| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMPHONY RISK SOLUTIONS, LLC3 | UNKNOWN CHICAGO, IL 60631 | SUTTER HEALTH PLAN | $87K | $0 | $87K | 3.67% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER | 2295 GATEWAY OAKS DRIVE SUITE 230 SACRAMENTO, CA 95833 | SUTTER HEALTH PLAN | $8K | $0 | $8K | 0.33% |
| SYMPHONY RISK SOLUTIONS, LLC3 | 333 SOUTH HOPE STREET 12TH FLOOR LOS ANGELES, CA 90071 | STANDARD INSURANCE COMPANY | $47K | $0 | $47K | 7.85% |
| SYMPHONY RISK SOLUTIONS, LLC3 | 2425 NORTH CENTRAL EXPRESSWAY RICHARDSON, TX 75080 | VISION SERVICE PLAN | $4K | — | $4K | 1.72% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $1K | — | $1K | 0.45% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $306 | $6K | $6K | 3.01% |
| SYMPHONY RISK SOLUTIONS, LLC3 | 2425 N CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS, INC | 14715 NE 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.81% |
| SYMPHONY RISK SOLUTIONS, LLC3 | 333 SOUTH HOPE STREET 12TH FLOOR LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BROKERAGE AND INSURANCE | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $221 | $0 | $221 | 0.57% |
| SYMPHONY RISK SOLUTIONS, LLC3 | 2425 N CENTRAL EXPRESSWAY SUITE 900 RICHARDSON, TX 75080 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 50.35% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND CO | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $248 | $0 | $248 | 4.91% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 361 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 381 | $193K |
| Vision | VISION SERVICE PLAN | 996 | $226K |
| Life insurance | STANDARD INSURANCE COMPANY | 157 | $602K |
| Short-term disability | STANDARD INSURANCE COMPANY | 157 | $602K |
| Long-term disability | STANDARD INSURANCE COMPANY | 157 | $602K |
| Prescription drug | SUTTER HEALTH PLAN | 361 | $2.4M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 168 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.