| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $79K | — | $79K | 2.38% |
| WOODRUFF-SAWYER & CO3 | 2295 GATEWAY OAKS DR, STE 230 SACRAMENTO, CA 95833 | CALIFORNIA PHYSICIANS' SERVICE | — | $58K | $58K | 2.44% |
| 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 | — | $17K | $17K | 14.00% |
| KRISTIN KELLY3 | 3431 STAGS LEAP WAY YORK, SC 29745 | NEW YORK LIFE INSURANCE COMPANY | $9K | — | $9K | 7.41% |
| RICHARD PAULSEN3 | 2800 W MARCH LN, STE 324 STOCKTON, CA 95219 | NEW YORK LIFE INSURANCE COMPANY | $9K | — | $9K | 7.41% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $2K | — | $2K | 3.76% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE, SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | — | $7K | $7K | 15.00% |
| RICHARD PAULSEN3 | 2800 W MARCH LN, STE 324 STOCKTON, CA 95219 | NEW YORK LIFE INSURANCE COMPANY | $3K | — | $3K | 7.49% |
| KRISTIN KELLY3 | 3431 STAGS LEAP WAY YORK, SC 29745 | NEW YORK LIFE INSURANCE COMPANY | $3K | — | $3K | 7.49% |
| SARA SMITH3 | 2999 DOUGLAS BLVD, SUITE 350 ROSEVILLE, CA 95661 | NEW YORK LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 299 | $5.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 735 | $600K |
| Vision | VISION SERVICE PLAN | 306 | $49K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY | 409 | $118K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 229 | $46K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 299 | $5.7M |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 409 | $127K |
| 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.