| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: LIBERTY COMPANY INSURANCE BROKERS N | 21820 BURBANK BLVD WOODLAND HILLS, CA 91367 | AETNA LIFE INSURNACE COMPANY | $53K | — | $53K | 5.63% |
| E2E BENEFITS SERVICES, INC.3 | 2905 PREMIERE PKWY STE 285 DULUTH, GA 30097 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.01% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVE, STE 250 WOODLAND HILLS, CA 91367 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.78% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 114 | $87K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 114 | $87K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 184 | $12K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURNACE COMPANY | 113 | $948K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 184 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.