| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $56K | $2K | $59K | 3.08% |
| KEITH HALE3 | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 945834212 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 1.05% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | HEALTH NET | $8K | $194 | $9K | 3.46% |
| KEITH HALE3 Filed as: KEITH ERIC HALE DBA SOUND BENEFIT | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 94583 | HEALTH NET | $4K | — | $4K | 1.62% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SWAYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 9.31% |
| KEITH HALE3 | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 945834321 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.79% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FANCISCO, CA 94111 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 11.30% |
| KEITH HALE3 | 2430 CAMINO RD, STE 114 SAN RAMON, CA 94583 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.16% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $90 | $90 | 0.12% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $1K | — | $1K | 3.83% |
| KEITH HALE3 Filed as: KEITH E. HALE | 2430 CAMINO RAMON STE 114 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $247 | — | $247 | 0.80% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 309 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 536 | $204K |
| Vision | VISION SERVICE PLAN | 232 | $31K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 536 | $279K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 302 | $74K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 302 | $74K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 309 | $2.2M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 302 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.