| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $71K | — | $71K | 3.14% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INS. BROKERS, INC. | 44 SECOND STREET SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS SERVICE | $42K | — | $42K | 1.86% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $18K | — | $18K | 2.53% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.45% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INS. BROKERS, INC. | 44 SECOND STREET SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.28% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $837 | $9K | 6.06% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INS. BROKERS, INC. | 44 SECOND STREET SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.05% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INS. BROKERS, INC. | 44 SECOND STREET SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.65% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INS. BROKERS, INC. | 44 SECOND STREET SAN FRANCISCO, CA 94105 | VISION SERVICE PLAN | $698 | — | $698 | 3.27% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMAPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $448 | — | $448 | 2.10% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 146 | $831K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $280K |
| Vision | VISION SERVICE PLAN | 132 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $148K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $148K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 295 | $3.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.