| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH CO. INSURANCE SVCS. | 1 PARK PLAZA #400 IRVINE, CA 92614 | BLUE SHIELD OF CALIFORNIA | $89K | $59 | $89K | 5.27% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $34K | — | $34K | 2.00% |
| THE WOODITCH COMPANY INSURANCE3 | 1 PARK PLZ. STE. 400 IRVINE, CA 926148512 | VISION SERVICE PLAN | $921 | — | $921 | 4.80% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY | INSURANCE SERVICES ONE PARK PLAZA #400 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY | INSURANCE SERVICES ONE PARK PLAZA#400 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 281 | $1.7M |
| Dental | BLUE SHIELD OF CALIFORNIA | 281 | $1.7M |
| Vision | VISION SERVICE PLAN | 129 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 289 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $13K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 281 | $1.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 289 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.