| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, III, FREDERICK W | TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $93K | $19K | $112K | 11.06% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III, FREDERICK W TBG WEST | INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $28K | $8K | $36K | 8.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $437 | $3K | 0.67% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, III, FREDERICK W | TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $30K | — | $30K | 14.14% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $3K | $15K | 12.02% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | EMBLEM HEALTH | $2K | — | $2K | 2.82% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III, FREDERICK | TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 14.03% |
| PROGRESSIVE PLAN ADMIN INC.3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH | C/O TBG FINANCIAL CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.54% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 15.32% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY | 1145 FOREST AVE STATEN ISLAND, NY 10010 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM TBG | WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 7.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 1.31% |
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 | 635 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 6 | $69K |
| Dental | AETNA LIFE INSURANCE CO. | 190 | $33K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 635 | $431K |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 543 | $168K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 632 | $1.0M |
| Prescription drug | EMBLEM HEALTH | 6 | $69K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 635 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.