| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $68K | $27K | $95K | 6.93% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $687 | $103 | $790 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD 3 RADNOR CORPORATE CENTER RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 3.79% |
| FREDERICK W. HOWARTH III3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $73K | $11K | $84K | 14.83% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $73 | $43 | $116 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 WEST MATSONFORD ROAD, STE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 WEST MATSONFORD ROAD, STE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| FREDERICK W. HOWARTH III3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $457 | $3K | 11.88% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $21 | $2 | $23 | 0.10% |
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 | 1,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,155 | 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 | 78 | $935K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 78 | $793K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,355 | $1.0M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,130 | $567K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 181 | $23K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,062 | $1.4M |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 3,790 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,790 | — |
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.