| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $249K | $12K | $261K | 5.18% |
| WOODRUFF-SAWYER & CO3 | 225 S LAKE AVE STE M210 PASADENA, CA 911013666 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 2.49% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC. | — | $2K | $2K | 0.19% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 4.88% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $3K | $622 | $4K | 24.95% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $902 | $902 | 20.00% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES INC | PO BOX 609 SANTA BARBARA, CA 93102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $347 | — | $347 | 8.00% |
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 668 | $5.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 668 | $5.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $458K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $458K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $458K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 668 | $5.9M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.