Welfare broker

LIBERTY COMPANY INSURANCE BROKERS

Mailing address (most recent filing)

5955 DE SOTO AVENUE, SUITE 250

WOODLAND HILLS, CA 91367

Total comp: $5.3M
Commissions: $4.4M
Fees: $921K
Filings: 79
Sponsors: 79

Carrier mix

Where LIBERTY COMPANY INSURANCE BROKERS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC19.6%
CALIFORNIA PHYSICIANS SERVICE15.2%
BLUE CROSS OF CALIFORNIA15.2%
UNITEDHEALTHCARE INSURANCE COMPANY13.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY10.9%
STANDARD INSURANCE COMPANY8.7%
AETNA LIFE INSURANCE COMPANY8.7%
DELTA DENTAL OF CALIFORNIA4.3%
Other (2)4.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	9	$11.6M	19.6%
CALIFORNIA PHYSICIANS SERVICE	7	$21.6M	15.2%
BLUE CROSS OF CALIFORNIA	7	$41.4M	15.2%
UNITEDHEALTHCARE INSURANCE COMPANY	6	$6.7M	13.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	5	$23.4M	10.9%
STANDARD INSURANCE COMPANY	4	$615K	8.7%
AETNA LIFE INSURANCE COMPANY	4	$4.8M	8.7%
DELTA DENTAL OF CALIFORNIA	2	$410K	4.3%
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$612K	2.2%
SUTTER HEALTH PLAN	1	$3.5M	2.2%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
CA	40	$109.1M	0.4%	10.00x
VA	2	$2.5M	0.1%	1.80x
FL	2	$2.3M	0.0%	1.00x
UT	1	$1.1M	0.1%	2.58x
PA	1	$1.6M	0.0%	0.47x
OR	1	$1.2M	0.1%	2.05x
NY	1	$612K	0.0%	0.39x
IL	1	$102K	0.0%	0.56x
GA	1	$1.0M	0.0%	0.30x
CO	1	$833K	0.1%	1.59x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of LIBERTY COMPANY INSURANCE BROKERS's plans by broker comp / premium ratio. Median 5.71% vs welfare-wide median 6.29% (n=51).

Prospect-flag exposure · vs market baseline

Share of LIBERTY COMPANY INSURANCE BROKERS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-51 of 51 sponsors where LIBERTY COMPANY INSURANCE BROKERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FAMILY RANCH, INC. FAMILY RANCH, INC. HEALTH AND WELFARE PLAN	CA	$50K	$4K	STANDARD INSURANCE COMPANY

Carrier

Plans

Premium

KAISER FOUNDATION HEALTH PLAN INC

$11.6M

19.6%

CALIFORNIA PHYSICIANS SERVICE

$21.6M

15.2%

BLUE CROSS OF CALIFORNIA

$41.4M

15.2%

UNITEDHEALTHCARE INSURANCE COMPANY

$6.7M

13.0%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$23.4M

10.9%

STANDARD INSURANCE COMPANY

$615K

8.7%

AETNA LIFE INSURANCE COMPANY

$4.8M

8.7%

DELTA DENTAL OF CALIFORNIA

$410K

4.3%

UNUM LIFE INSURANCE COMPANY OF AMERICA

$612K

2.2%

SUTTER HEALTH PLAN

$3.5M

2.2%

State

Plans

Premium

State share

Index

$109.1M

0.4%

10.00x

$2.5M

0.1%

1.80x

$2.3M

0.0%

1.00x

$1.1M

0.1%

2.58x

$1.6M

0.0%

0.47x

$1.2M

0.1%

2.05x

$612K

0.0%

0.39x

$102K

0.0%

0.56x

$1.0M

0.0%

0.30x

$833K

0.1%

1.59x

Sponsor

Loc

Premium

Comp

Carrier

FAMILY RANCH, INC.

FAMILY RANCH, INC. HEALTH AND WELFARE PLAN

$50K

$4K

STANDARD INSURANCE COMPANY