| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $132K | $26K | $158K | 12.00% |
| HOWARTH III, FREDERICK W3 | TGB WEST INSURANCE SERVICES 6077 BRISTOL PAKRWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $27K | $8K | $35K | 9.00% |
| 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 | $42K | — | $42K | 15.02% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $25K | $5K | $30K | 12.00% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III, FREDERICK | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA STREET SUITE 400 SAN FRANCISCO, CA 94111 | EMBLEM HEALTH | $888 | — | $888 | 2.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 7.05% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH | C/O TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.22% |
| PROGRESSIVE PLAN ADMIN INC.3 | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $779 | — | $779 | 3.40% |
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 | 646 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 2 | $32K |
| Dental | AETNA LIFE INSURANCE CO. | 149 | $25K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 646 | $389K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 544 | $273K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 633 | $1.3M |
| Prescription drug | EMBLEM HEALTH | 2 | $32K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 646 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.