| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | SUTTER HEALTH AND AETNA INSURANCE | $125K | — | $125K | 8.20% |
| ALTERITY BROKER SOLUTIONS3 Filed as: ALTERITY BROKER SOLUTIONS INC | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | HARTFORD LIFE AND ACCIDENT | — | $29K | $29K | 5.89% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $29K | $116 | $29K | 5.76% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 6.08% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | AETNA HEALTH, INC. | $13K | — | $13K | 6.11% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 1.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.04% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC | 14715 NE 95TH STREET STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.96% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $305 | — | $305 | 1.07% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH AND AETNA INSURANCE | 226 | $2.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 313 | $188K |
| Vision | VISION SERVICE PLAN | 115 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 118 | $497K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $497K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $497K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH AND AETNA INSURANCE | 226 | $2.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 133 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.