| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 3.09% |
| WOODRUFF-SAWYER & CO3 | 1001 SW 5TH AVENUE STE 1000 PORTLAND, OR 97204 | AMERITAS LIFE INSURANCE CORP | $4K | $883 | $5K | 6.05% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & CO OREGON | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | WILLAMETTE DENTAL INSURANCE, INC. | $2K | — | $2K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $140 | $4K | 15.57% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $124 | $3K | 15.56% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $106 | $3K | 15.54% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $877 | — | $877 | 6.46% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | $30 | $867 | 15.55% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.0M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 226 | $115K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 226 | $98K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $19K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.