| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FL 12 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS AND BLUE SHIELD | $102K | — | $102K | 3.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 94104 | ANTHEM BLUE CROSS AND BLUE SHIELD | $11K | — | $11K | 0.34% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $736 | $8K | 2.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST. STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.60% |
| SAM T RAMIREZ3 | 2480 COBURN LN APT 3 SHELL BEACH, CA 93449 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.38% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH ST 7TH FLOOR SAN FRANCISCO, CA 94104 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.07% |
| KIMBERLY A SCHOTT3 | 5050 HACIENDA DR #2337 DUBLIN, CA 94568 | TRANSAMERICA LIFE INSURANCE COMPANY | $412 | — | $412 | 1.24% |
| CLAY W CAMPBELL3 | ONE WORLD TRADE CENTER 8TH FLOOR LONG BEACH, CA 90802 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MOISES VILLALOBOS3 | 6122 WOODLAWN AVE MAYWOOD, CA 90270 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| TERRANCE J FITCH4 | 6965 SVL BOX VICTORVILLE, CA 92395 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $374 | — | $374 | 8.08% |
| NICHOLAS WOLFS4 | SUITE B658 12340 SEAL BEACH BLVD SEAL BEACH, CA 90740 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $329 | — | $329 | 7.10% |
| ROBERT MEISSNER LLC4 | 28732 BRECKENRIDGE DR LAGUNA NIGUEL, CA 92677 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $166 | — | $166 | 3.58% |
| DAVE SPANGLER JR.4 Filed as: DAVE SPANGLER JR | 31 MARIE DR QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $80 | — | $80 | 1.73% |
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 | 973 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 973 | $3.6M |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 973 | $3.3M |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 973 | $3.3M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS AND BLUE SHIELD | 973 | $3.3M |
| Short-term disability | ANTHEM BLUE CROSS AND BLUE SHIELD | 973 | $3.3M |
| Long-term disability | ANTHEM BLUE CROSS AND BLUE SHIELD | 973 | $3.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 77 | $295K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 84 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.