| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGE, CA 90010 | METROPOLITAN LIFE INSURANCE CO | $582K | $147K | $729K | 5.90% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $0 | $53K | 3.94% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $28K | $63K | 5.25% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $335 | $138 | $473 | 0.04% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METLIFE LEGAL PLANS | $17K | $361 | $18K | 10.18% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 S GRAND AVE SUITE 4500 LOS ANGELES, CA 90071 | FEDERAL INSURANCE COMPANY | $20K | $1K | $21K | 15.94% |
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 | 7,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 363 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 866 | $1.5M |
| Vision | VISION SERVICE PLAN | 3,698 | $566K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 6,829 | $13.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO | 6,829 | $12.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO | 6,829 | $12.3M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE CO | 7,333 | $14.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,333 | — |
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.