| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112K | $0 | $112K | 4.08% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 13.95% |
| HAYS COMPANIES, INC.3 | 2 PARK PLAZA, SUITE 440 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $995 | $0 | $995 | 1.05% |
| MOLOKAI MYLES HAND3 Filed as: MOLOKAI MYLES HAND AND OTHER AGENTS | 3309 WOLFE COURT PLANO, TX 75025 | AFLAC | $879 | $0 | $879 | 3.14% |
| BETTY MURDOCK3 | 7216 TESSERA PARKWAY LAGO VISTA, TX 78645 | AFLAC | $865 | $0 | $865 | 3.09% |
| CLAY W CAMPBELL3 Filed as: CLAY W. CAMPBELL | 14720 LIBLEN AVENUE BELLFLOWER, CA 90706 | AFLAC | $527 | $0 | $527 | 1.88% |
| ANDREA M MACIAS3 Filed as: ANDREA M. MACIAS | 7216 TESSERA PARKWAY LAGO VISTA, TX 78645 | AFLAC | $255 | — | $255 | 0.91% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | PO BOX 10341 MARINA DEL REY, CA 90295 | AFLAC | $235 | $0 | $235 | 0.84% |
| AUDREY S. CORLEY3 | 5827 VISTA DEL CABALLERO RIVERSIDE, CA 92509 | AFLAC | $150 | $0 | $150 | 0.54% |
| JESSICA PEREZ3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $87 | $0 | $87 | 0.31% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $838 | $0 | $838 | 4.54% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.50% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.50% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $2.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $2.8M |
| Vision | VISION SERVICE PLAN | 168 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $95K |
| Short-term disability | AFLAC | 25 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $95K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 339 | $2.7M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 848 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.