| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $115K | $170 | $115K | 4.92% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 5.50% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITED CONCORDIA INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | COMBINED INSURANCE CO. | $23K | — | $23K | 30.49% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC | — | COMBINED INSURANCE CO. | $9K | — | $9K | 11.69% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $992 | — | $992 | 14.99% |
| LANETTA MARSHALL4 | 126 VERNON ST SAN FRANCISCO, CA 94132 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $440 | — | $440 | 8.51% |
| WOODRUFF-SAWYER & CO4 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $112 | — | $112 | 2.17% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $333 | — | $333 | 20.02% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO. | 50 CALIFORNIA STREET, SUITE 1200 SAN FRANCISCO, CA 94111 | FEDERAL INSURANCE COMPANY | $249 | — | $249 | 14.97% |
| JOSHUA BALTOR3 | 533 AIRPORT BLVD STE 400 BURLINGAME, CA 94010 | AFLAC | $134 | — | $134 | 9.42% |
| KRISTINA J KUNZ3 Filed as: KRISTINA KUNZ | 108 MADRONE AVE SAN FRANCISCO, CA 94127 | AFLAC | $21 | — | $21 | 1.48% |
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 | 140 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 231 | $3.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 305 | $152K |
| Vision | VISION SERVICE PLAN | 136 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $49K |
| Short-term disability | AFLAC | 2 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 99 | $27K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 231 | $3.0M |
| Other(5 contracts, 5 carriers) | COMBINED INSURANCE CO. | 172 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.