| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO. INS. BROKERS, INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | CALIFORNIA CHOICE | $32K | $0 | $32K | 4.99% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO. INS. BROKERS, INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.23% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1099 SANTA MARIA, CA 93454 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.15% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 77 | $632K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $119K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $119K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $119K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $119K |
| Prescription drug | CALIFORNIA CHOICE | 77 | $632K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.