| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 2295 GATEWAY OAKS DR, STE 230 SACRAMENTO, CA 95833 | CALIFORNIA PHYSICIANS' SERVICE | — | $77K | $77K | 2.57% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $98K | $219 | $98K | 3.69% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | DELTA DENTAL OF CALIFORNIA | $30K | — | $30K | 5.00% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | — | $19K | $19K | 14.00% |
| KRISTIN KELLY3 | 3431 STAGS LEAP WAY YORK, SC 29745 | NEW YORK LIFE INSURANCE COMPANY | $10K | — | $10K | 7.39% |
| RICHARD PAULSEN3 | 2800 W MARCH LN, STE 324 STOCKTON, CA 95219 | NEW YORK LIFE INSURANCE COMPANY | $10K | — | $10K | 7.39% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | — | $8K | $8K | 15.00% |
| RICHARD PAULSEN3 | 2800 W MARCH LN, STE 324 STOCKTON, CA 95219 | NEW YORK LIFE INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| KRISTIN KELLY3 | 3431 STAGS LEAP WAY YORK, SC 29745 | NEW YORK LIFE INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $2K | — | $2K | 3.56% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 292 | $5.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 735 | $591K |
| Vision | VISION SERVICE PLAN | 305 | $50K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 409 | $133K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 229 | $52K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 292 | $5.6M |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 409 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.