| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $505K | $16K | $521K | 23.53% |
| ASSURANCE AGENCY LTD3 Filed as: INFNITY ASSURANCE GROUP | 111 CORPORATE DRIVE LADERA RANCH, CA 92694 | BLUE CROSS OF CALIFORNIA | $43K | — | $43K | 1.92% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $48K | $12K | $60K | 15.52% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET 12TH FLOOR SAN FRANCISCO, CA 94111 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PAYLOGIX5 | 1025 OLD COUNTRY RD STE 310 WESTBURY, NY 11590 | ARAG INSURANCE COMPANY | — | $713 | $713 | 4.00% |
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 | 4,620 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF CALIFORNIA | 2,641 | $2.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 5,039 | $574K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,620 | $389K |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,620 | $389K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,620 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,039 | — |
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.