| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $63K | $3K | $66K | 2.83% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD., SUITE 300 SAN JOSE, CA 95129 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 0.41% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | $4K | $86K | 14.73% |
| SUHR RISK SERVICES3 | 5300 STEVENS CREEK BLVD., SUITE 300 SAN JOSE, CA 95139 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.23% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $2K | — | $2K | 2.31% |
| SUHR RISK SERVICES3 | 5600 STEVENS CREEK BLVD., SUITE 300 SAN JOSE, CA 95129 | VISION SERVICE PLAN | $369 | — | $369 | 0.36% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER & COMPANY | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $802 | $3K | 11.88% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 448 | $2.9M |
| Vision | VISION SERVICE PLAN | 452 | $102K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $25K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 448 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.