| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $92K | — | $92K | 3.67% |
| FOUNDATION RISK PARTNERS CORP3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $62K | — | $62K | 2.49% |
| FOUNDATION RISK PARTNERS CORP3 | DBA LLOYD S. BERKETT INSURANCE 11150 W. OLYMPIC BLVD, SUITE 610 LOS ANGELES, CA 90064 | VISION SERVICE PLAN | $829 | — | $829 | 3.91% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | VISION SERVICE PLAN | $697 | — | $697 | 3.29% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $989 | — | $989 | 6.77% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BOULEVARD SUITE 610 LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $108 | — | $108 | 6.61% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $2.5M |
| Vision | VISION SERVICE PLAN | 145 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $15K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $2.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.