| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $3K | $10K | 12.80% |
| NOAH OROPEZA3 Filed as: NOAH G OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 4.57% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.80% |
| NOAH OROPEZA3 Filed as: NOAH G OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $592 | $3K | 18.64% |
| NOAH OROPEZA3 Filed as: NOAH G OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $740 | $740 | 4.58% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.22% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | UNUM INSURANCE COMPANY | $2K | $337 | $2K | 15.80% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.38% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | UNUM INSURANCE COMPANY | $2K | $358 | $3K | 16.10% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $3K | — | $3K | 18.37% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | UNUM INSURANCE COMPANY | $1K | $340 | $2K | 11.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS, INC. | 18100 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 3.73% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 112 | $88K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 112 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $40K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.