| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $34K | — | $34K | 4.21% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $128 | $28K | 4.81% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.98% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED DOCUMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 12.04% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 36.38% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $393 | $393 | 3.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $3K | $4K | 32.83% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $362 | $362 | 3.00% |
| WOODRUFF-SAWYER & CO2 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 33.36% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $248 | $248 | 3.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $330 | $695 | $1K | 45.58% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $67 | $67 | 2.98% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 104 | $1.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 211 | $72K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 198 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9 | $2K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $13K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 104 | $1.4M |
| Other(3 contracts, 2 carriers) | AFLAC | 90 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.