| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $73K | $29K | $103K | 6.93% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 950 PENINUSULA CORPORATE CENTER SUITE 100 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $740 | $111 | $851 | 0.06% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $59K | $9K | $68K | 14.64% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 950 PENINUSULA CORPORATE CENTER SUITE 100 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $84 | $34 | $118 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 19.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARD INC. | 875 THIRD AVENUE NEW YORK, NY 10022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 3.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARD INC. | 875 THIRD AVENUE NEW YORK, NY 10022 | NATIONAL UNION FIRE INS. C. OF PITTSBURGH, PA. | $4K | — | $4K | 15.00% |
| FREDERICK W. HOWARTH III3 | 950 PENINUSULA CORPORATE CENTER CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $206 | $1K | 11.88% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 950 PENINUSULA CORPORATE CENTER SUITE 100 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | $1 | $11 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARD INC. | 875 THIRD AVENUE NEW YORK, NY 10022 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $977 | — | $977 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4 RADNOR CORPORATE CENTER SUITE 510 RADNOR, PA 19087 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $8K | — | $8K | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARD INC. | 875 THIRD AVENUE NEW YORK, NY 10022 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | — |
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 | 1,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 742 | $181K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,486 | $1.5M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 143 | $10K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 938 | $464K |
| Other(3 contracts, 2 carriers) | NATIONAL UNION FIRE INS. C. OF PITTSBURGH, PA. | 1,138 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,486 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.