| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | CALIFORNIA PHYSICIANS SERVICE | $474K | $6K | $480K | 9.30% |
| CANCINTEGRATED INSURANCE SVCS3 | 801 GARDEN ST STE 300 SANTA BARBARA, CA 93101 | CALIFORNIA PHYSICIANS SERVICE | -$216K | — | -$216K | -4.19% |
| WOODRUFF-SAWYER & CO3 | 225 S LAKE AVE STE M210 PASADENA, CA 91101 | KAISER FOUNDATION HEALTH PLAN INC. | $27K | — | $27K | 2.72% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTEGRATED INSURANCE SVCS | PO BOX 609 SANTA BARBARA, CA 93102 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.22% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $2K | $2K | 0.16% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $16K | 4.37% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $562 | $11K | 5.28% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $606 | $9K | 5.35% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $391 | $4K | 5.49% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $121 | $4K | 8.22% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | HYATT LEGAL PLANS | $3K | $192 | $3K | 10.73% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | HYATT LEGAL PLANS | — | $36 | $36 | 0.14% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $710 | $45 | $755 | 5.32% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $75 | — | $75 | — |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA WELLNESS INSURANCE SVCS LLC | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $24 | — | $24 | — |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,092 | $6.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 458 | $357K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $372K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 484 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $79K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,092 | $6.1M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.