| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $79K | — | $79K | 2.97% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $122 | $2K | 0.17% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | — | $53K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $642 | $24K | 18.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.99% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $10K | — | $10K | 20.84% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES INC | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | METLIFE LEGAL PLANS | — | $2K | $2K | 3.05% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $272 | $9K | 19.59% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | -$311 | $398 | $87 | 0.20% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $191 | $7K | 22.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $335 | $335 | 1.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 20.00% |
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 | 1,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,051 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,401 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,058 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,058 | $1.1M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 319 | $2.7M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,058 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,401 | — |
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."
No prospect flags tripped on this filing.