| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON INC | 1050 SW SIXTH AVENUE SUITE 1000 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $38K | $38K | 3.09% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | $248 | $13K | 2.04% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 941114646 | KAISER FOUNDATION HEALTH PLAN INC. | — | $768 | $768 | 0.19% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON | 1001 SW 6TH AVENUE STE 1000 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 7.95% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 3.21% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $2.3M |
| Vision | VISION SERVICE PLAN | 213 | $36K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $137K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $137K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $137K |
| Prescription drug(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $2.3M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.