| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES | 100 FRONT STREET #610 WORCESTER, MA 01608 | AMALGAMATED LIFE | $50K | — | $50K | 7.50% |
| DON RAMATICI INSURANCE3 | PO BOX 551 PETALUMA, CA 94953 | KAISER FOUNDATION HEALTH PLAN | $11K | — | $11K | 2.70% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER | 50 CALIFORNIA ST, 12FL SAN FRANCISCO, CA 94111 | RELIASTAR INSURANCE COMPANY | $12K | — | $12K | 7.80% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER | 50 CALIFORNIA ST, 12FL SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $3K | — | $3K | 3.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | PO BOX 45018 FRESNO, CA 93718 | $311K |
| ANTHEM BLUE CROSS EIN 95-4331852 PPO/ UR VENDOR | Direct payment from the plan; Other fees Service code 50 | 1351 WM HOWARD TAFT RD CINCINNATI, OH 45206 | $297K |
| WOODRUFF SAWYER EIN 94-1625126 BROKER | Direct payment from the plan; Other fees Service code 50 | 50 CALIFORNIA STREET, 12FL SAN FRAMCISCO, CA 94111 | $52K |
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 | 1,019 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 57 | $418K |
| Vision | VISION SERVICE PLAN | 1,204 | $77K |
| Life insurance | RELIASTAR INSURANCE COMPANY | 1,215 | $152K |
| Short-term disability | RELIASTAR INSURANCE COMPANY | 1,215 | $152K |
| Long-term disability | RELIASTAR INSURANCE COMPANY | 1,215 | $152K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE | 962 | $673K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.