| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | CALIFORNIACHOICE | $38K | — | $38K | 5.21% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $548 | $3K | 3.70% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $511 | $2K | 14.46% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE CO | $1K | — | $1K | 10.00% |
| WOODRUFF-SAWYER & CO3 | 88 ROWLAND WAY, SUITE 180 NOVATO, CA 94945 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 27.90% |
| MINES INSURANCE SERVICES INC3 | 1519 BARTH AVE RICHMOND, CA 94806 | TRANSAMERICA LIFE INSURANCE COMPANY | $68 | — | $68 | 1.12% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $562 | $289 | $851 | 15.14% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | $82 | $265 | 14.46% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 112 | $734K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $80K |
| Vision | GERBER LIFE INSURANCE CO | 120 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $6K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 45 | $6K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $11K |
| Prescription drug | CALIFORNIACHOICE | 112 | $734K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 140 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.