| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $569K | $222K | $790K | 6.57% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $0 | $59K | 3.99% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $18K | $53K | 4.65% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $244 | $177 | $421 | 0.04% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METLIFE LEGAL PLANS | $25K | $4K | $28K | 11.37% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | FEDERAL INSURANCE COMPANY | $14K | $1K | $15K | 16.30% |
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 | 7,109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 898 | $1.6M |
| Vision | VISION SERVICE PLAN | 3,606 | $551K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,717 | $13.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,717 | $12.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,717 | $12.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,937 | $13.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,937 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.