| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | $0 | $26K | 2.17% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | $2K | $23K | 1.94% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $28K | $0 | $28K | 2.65% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | BLUE CROSS OF CALIFORNIA | $17K | $0 | $17K | 1.59% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY (CA) | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $0 | $6K | 1.87% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $0 | $3K | 1.13% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $11K | $0 | $11K | 5.01% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $11K | $0 | $11K | 4.91% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $461 | $10K | 8.95% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA ST 12TH FLOOR SAN FRANCISCO, CA 94901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $659 | $9K | 8.46% |
| CRAFORD BENEFIT CONSULTANTS3 | 990 FIFTH AVE SAN RAFAEL, CA 94901 | VISION SERVICE PLAN | $448 | $0 | $448 | 3.91% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $365 | $0 | $365 | 3.19% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 222 | $221K |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $108K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 249 | $108K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $2.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
No prospect flags tripped on this filing.