| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SVCS INC | 801 GARDEN ST STE 300 SANTA BARBARA, CA 93101 | CALIFORNIA PHYSICIANS SERVICE | $216K | $150 | $216K | 5.00% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE SVCS | PO BOX 609 SANTA BARBARA, CA 93102 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 1.81% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 0.65% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $20K | $34K | 9.76% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $7K | $13K | 10.85% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.93% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SVCS INC | PO BOX 609 SANTA BARBARA, CA 93102 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $9K | $737 | $10K | 10.19% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA WELLNESS INSURANCE SVC LLC | PO BOX 609 SANTA BARBARA, CA 93102 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $6K | $10K | 12.22% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SVCS INC | PO BOX 609 SANTA BARBARA, CA 93102 | ANTHEM LIFE INSURANCE COMPANY | $2K | $202 | $3K | 10.19% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA WELLNESS INSURANCE SVC LLC | PO BOX 609 SANTA BARBARA, CA 93102 | ANTHEM LIFE INSURANCE COMPANY | $789 | — | $789 | 3.05% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 15.20% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | HYATT LEGAL PLANS | $2K | — | $2K | 9.25% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INS. SVCS INC. | PO BOX 609 SANTA BARBARA, CA 93102 | HYATT LEGAL PLANS | $173 | — | $173 | 0.75% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $448 | $646 | $1K | 12.20% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES INC | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $655 | $54 | $709 | 10.19% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA WELLNESS INSURANCE SVCS LLC | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $213 | — | $213 | 3.06% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,098 | $5.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 435 | $343K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $328K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 296 | $50K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $104K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,098 | $5.4M |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,098 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.