| 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 | $29K | $2K | $31K | 4.25% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., 12TH FLOOR SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 14.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., 12TH FLOOR SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 14.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $47 | $3K | 3.27% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., FL 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $2K | — | $2K | 3.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., 12TH FLOOR SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.54% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 23.46% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST., 12TH FLOOR SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.00% |
| LTCI PARTNERS LLC3 | 100 N FIELD DR, STE 310 LAKE FOREST, IL 60045 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.81% |
| RUTH I LARKIN3 Filed as: RUTH IRENE LARKIN | 2000 WADSWORTH BLVD #202 LAKEWOOD, CO 80214 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.13% |
| J MANNING AND ASSOCIATES3 Filed as: J MANNING & ASSOCIATES INC | 1034 N ASHLAND AVE CHICAGO, IL 60622 | TRANSAMERICA LIFE INSURANCE COMPANY | $852 | — | $852 | 5.01% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER CO | 50 CALIFORNIA ST, FL 12 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $614 | — | $614 | 3.61% |
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 | 674 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 156 | $812K |
| Vision | VISION SERVICE PLAN | 513 | $73K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 885 | $131K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 542 | $106K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 156 | $812K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 815 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.