| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $131K | — | $131K | 18.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE | UNKNOWN SAN FRANCISCO, CA 94104 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $41K | $41K | 5.84% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 4.88% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF CALIFORNIA | $20K | $0 | $20K | 10.00% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.72% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.40% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKER, LLC | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, NV 91367 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.18% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $473 | $0 | $473 | 1.25% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $985K |
| Dental | DELTA DENTAL OF CALIFORNIA | 342 | $197K |
| Vision | VISION SERVICE PLAN | 144 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $110K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $110K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $985K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.