| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | HEALTH NET | $85K | $0 | $85K | 5.03% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 301 EAST COLORADO BOULEVARD SUITE 205 PASADENA, CA 91101 | HEALTH NET | $16K | $0 | $16K | 0.97% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | $0 | $24K | 3.81% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 750 THE CITY DRIVE SOUTH, SUITE 450 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.20% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 8.40% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 750 THE CITY DRIVE SOUTH, SUITE 450 ORANGE, CA 92868 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 1.62% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | $0 | $3K | 9.04% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 750 THE CITY DRIVE SOUTH, SUITE 450 ORANGE, CA 92868 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $707 | $0 | $707 | 2.38% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.26% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 750 THE CITY DRIVE SOUTH, SUITE 450 ORANGE, CA 92868 | VISION SERVICE PLAN | $470 | $0 | $470 | 1.62% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.33% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABULCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $915 | $0 | $915 | 3.67% |
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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 204 | $2.3M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 213 | $109K |
| Vision | VISION SERVICE PLAN | 266 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $25K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 204 | $2.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 453 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.