| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., 12TH FLOOR SAN FRANCISCO, CA 94111 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $296K | — | $296K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP NATIONAL ACCOUNT SERVICES | 7272 E. INDIAN SCHOOL RD. #415 SCOTTSDALE, AZ 85251 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $148K | $148K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $6K | $6K | 0.21% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $14K | $3K | $16K | 12.65% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 6.91% |
| WOODRUFF-SAWYER & CO3 | 88 ROWLAND WAY, SUITE 180 NOVATO, CA 94945 | MAGELLAN BEHAVIORAL HEALTH | $8K | — | $8K | 12.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $6K | $6K | 20.00% |
| WILLIAM V SCHAUB3 | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 2495.82% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D. BREDESON INSURANCE SERVICES INC | 641 HIGUERA ST., SUITE 300 SAN LUIS OBISPO, CA 93401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 650.21% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON E FARRIS-WENDELBERGER | 760 N GATE ROAD WALNUT CREEK, CA 94598 | CONTINENTAL AMERICAN INSURANCE COMPANY | $681 | — | $681 | 284.94% |
| RICHARD J KUNZ3 | 1155 N MICHIGAN AVENUE PASADENA, CA 91104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 219.25% |
| CHARLES CAREY3 | 16165 LYLE ST SAN LEANDRO, CA 94578 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 53.14% |
| JONATHAN D PAYNE3 | 130 SHORELINE CIRCLE #472 SAN RAMON, CA 94588 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 22.59% |
| PAUL M SCHNAIDER3 | 840 CLIFTON CT BENICIA, CA 94510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 17.99% |
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 | 2,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 556 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,170 | $91K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,304 | $3.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,304 | $3.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 556 | $2.9M |
| Other(4 contracts, 4 carriers) | METLIFE LEGAL PLANS | 2,464 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,464 | — |
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.
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.