| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DESOTO AVE STE 250 WOODLAND HILLS, CA 913675190 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $106K | $109K | 7.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC PA DE | 1787 SENTRY PARKWAY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 2.53% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY COMPANY INS BROKERS | — | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.69% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.34% |
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 | 292 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $114K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $114K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.