| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $133K | $53K | $186K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $28K | $92K | 6.12% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK WILLIAM HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $120K | $79K | $199K | 20.62% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $24K | $305 | $24K | 2.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 10TH FLOOR, 18100 VON KARMAN AVENUE IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $14K | $14K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 10TH FLOOR, 18100 VON KARMEN AVENUE IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $1K | $1K | 0.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS & OTHER AGENTS | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $196 | $37 | $233 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 300 EAST MAIN STREET, SUITE 1300 NORFOLK, VA 23510 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $224 | $0 | $224 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $182 | $182 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1140 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $176 | $176 | 0.02% |
| LENOX ADVISORS INC3 Filed as: LENOX ADVISOR INC | 90 PARK AVENUE NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $38K | $0 | $38K | 4.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 1.88% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PACIFIC LIFE AND ANNUITY COMPANY | $14K | $0 | $14K | 2.94% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVENUE, FLOOR 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $961 | $0 | $961 | 0.37% |
| MICHAEL A BOOK3 | 90 PARK AVENUE, FLOOR 17 NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $961 | $0 | $961 | 0.37% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $3K | $324 | $4K | 4.56% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
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 | 2,049 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 114 | $2.5M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,350 | $2.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,121 | $632K |
| Life insurance(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2,049 | $2.3M |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 185 | $967K |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,234 | $3.6M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 114 | $1.6M |
| Other(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2,049 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,350 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.