| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER LIZOTTE3 | EXECUTIVE FINANCIAL INC. 4601 WILSHIRE BLVDSTE 200 LOS ANGELES, CA 900103865 | METROPOLITAN LIFE INSURANCE COMPANY | $246K | — | $246K | 4.55% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL | 4601 WISHIRE BLVD LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 4.08% |
| MML INSURANCE AGENCY LLC3 | PO BOX 8089 BOSTON, MA 022668089 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $6K | $29K | 3.37% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD FLOOR 3 EXECUTIVE FINANCIAL INC LOS ANGELES, CA 900103884 | METROPOLITAN LIFE INSURANCE COMPANY | $567 | — | $567 | 0.07% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS, INC | 4601 WILSHIRE BLVD #200 LOS ANGELES, CA 90010 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 4,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,013 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,223 | $7.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,111 | $1.1M |
| Vision | VISION SERVICE PLAN | 2,439 | $384K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,342 | $6.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,342 | $5.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,342 | $5.4M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,223 | $6.9M |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 4,794 | $1.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,779 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,794 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.