| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, III, FREDERICK W | DBA TBG WEST INSURANCE SERVICE 607 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $94K | $19K | $113K | 12.00% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $29K | $3K | $33K | 7.73% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, III, FREDERICK W | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $31K | — | $31K | 14.94% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EMBLEM HEALTH | $3K | — | $3K | 2.82% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III, FREDERICK | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $3K | $13K | 12.08% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III, FREDERICK | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 14.91% |
| PROGRESSIVE PLAN ADMIN INC.3 | ONE INTERNATIONAL PLAZA PHILADELPHIA, PA 19113 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH | C/O TBG FINANCIAL CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 2.43% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 11 | $123K |
| Dental | AETNA LIFE INSURANCE CO. | 178 | $31K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 659 | $421K |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 548 | $150K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 641 | $940K |
| Prescription drug | EMBLEM HEALTH | 11 | $123K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 666 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.