| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: LIBERTY COMPANY INS. BROKERS, INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | HUMANA HEALTH PLAN, INC. | $24K | $0 | $24K | 2.27% |
| YOLT LLC3 Filed as: YOLT, LLC | 914 VERNON AVENUE WINNETKA, IL 60093 | HUMANA HEALTH PLAN, INC. | $18K | $0 | $18K | 1.70% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO. INS. BROKERS, INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 7.64% |
| YOLT LLC3 Filed as: YOLT, LLC | 914 VERNON AVENUE WINNETKA, IL 60094 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 6.07% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 4.57% |
| YOLT LLC3 Filed as: YOLT, LLC | 914 VERNON AVENUE WINNETKA, IL 60093 | HUMANADENTAL INSURANCE COMPANY | $2K | $0 | $2K | 3.55% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: LIBERTY COMPANY INS. BROKERS, INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | HUMANADENTAL INSURANCE COMPANY | $945 | $0 | $945 | 1.84% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: LIBERTY COMPANY INS. BROKERS, INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | HUMANA INSURANCE COMPANY | $451 | $0 | $451 | 5.76% |
| YOLT LLC3 Filed as: YOLT, LLC | 914 VERNON AVENUE WINNETKA, IL 60093 | HUMANA INSURANCE COMPANY | $331 | $0 | $331 | 4.23% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 70 | $1.1M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 86 | $51K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 141 | $162K |
| Short-term disability | STANDARD INSURANCE COMPANY | 141 | $162K |
| Long-term disability | STANDARD INSURANCE COMPANY | 141 | $162K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 70 | $1.1M |
| Other | STANDARD INSURANCE COMPANY | 141 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.