| 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 | $77K | $31K | $107K | 6.93% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENNINSULA CORPORATE CENTER SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $775 | $116 | $891 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2005 MARKET STREET PHILADELPHIA, PA 19103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | — | $55K | 4.05% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $76K | $12K | $88K | 15.69% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENNINSULA CORPORATE CENTER SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $88 | $45 | $133 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2005 MARKET STREET PHILADELPHIA, PA 19103 | ZURICH AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $331 | $2K | 12.53% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENNINSULA CORPORATE CENTER SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $16 | $1 | $17 | 0.11% |
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 | 1,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 9 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,877 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $1.4M |
| Vision | VISION SERVICE PLAN | 775 | $195K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 987 | $559K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 154 | $16K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 981 | $1.6M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $1.4M |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 1,877 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,877 | — |
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.