Form 5500 · Employee benefit plan · SAN FRANCISCO, CA
WOODRUFF-SAWYER AND COMPANY
The filing calls this plan GROUP WELFARE BENEFIT PLAN.
Public Form 5500 records show how WOODRUFF-SAWYER AND COMPANY of SAN FRANCISCO, CA, a finance and insurance employer, structures its employee benefits. Its broker of record is LONG TERM CARE SOLUTIONS INC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 11 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 94-1625126 · plan 501 · plan year 2025, filed Sep 16, 2026
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605 other employer plans in California have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
7 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 15 insured contracts covering health, life and disability; the largest, with KAISER FOUNDATION HEALTH PLAN, INC., covers 282 people.
The filing declares health, life, disability, dental and vision. Dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 7 contracts here that do not say what they cover.
Reported premium across the insured contracts is $2,219,167, with $9,856 in disclosed broker commissions — about 0.4% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
LONG TERM CARE SOLUTIONS INC is the broker of record on 1 of the 15 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COMBINED INSURANCE COMPANY | — | 58 | Jul 1, 2025 | $46,895 | $8,824 |
| TRANSAMERICA LIFE INSURANCE COMPANY | — | 13 | Jan 1, 2026 | $5,602 | $587 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 10 | Jul 2, 2025 | $7,386 | $376 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 3 | Jan 1, 2026 | $1,809 | $69 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 282 | Jul 1, 2025 | $1,362,832 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 628 | Jul 1, 2025 | $193,600 | $0 |
| STANDARD INSURANCE COMPANY | Life | 628 | Jul 1, 2025 | $190,392 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health | 0 | Jul 1, 2025 | $116,735 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 17 | Jul 1, 2025 | $80,134 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 38 | Jan 1, 2026 | $72,247 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 628 | Jul 1, 2025 | $65,588 | $0 |
| STANDARD INSURANCE COMPANY | — | 256 | Jul 1, 2025 | $45,610 | $0 |
| CONCERN EAP | — | 620 | Jul 1, 2025 | $14,921 | $0 |
| ARAG INSURANCE COMPANY | — | 158 | Jul 1, 2025 | $11,858 | $0 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 612 | Jun 13, 2025 | $3,558 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 167593. For the contract year on this filing, the carrier reported $193,600 in premium earned and $23,949 in claims incurred. Dividing one by the other gives 12%.
STANDARD INSURANCE COMPANY, contract 167593. For the contract year on this filing, the carrier reported $190,392 in premium earned and $3,957 in claims incurred. Dividing one by the other gives 2%.
STANDARD INSURANCE COMPANY, contract 167593. For the contract year on this filing, the carrier reported $65,588 in premium earned and $53,371 in claims incurred. Dividing one by the other gives 81%.
- STANDARD INSURANCE COMPANY, contract 167593 reported $169,651 in retention.
- STANDARD INSURANCE COMPANY, contract 167593 reported $186,438 in retention.
- STANDARD INSURANCE COMPANY, contract 167593 reported $26,133 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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