| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $733 | $8K | $8K | 0.18% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 7.49% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $605 | $4K | 12.77% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $463 | — | $463 | 1.95% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $330 | $3K | 25.32% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 705 | $4.8M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 16 | $97K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $162K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 84 | $31K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 705 | $4.8M |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.