| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOGWARTH III | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $59K | $24K | $83K | 6.93% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $595 | $89 | $684 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 3.71% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOGWARTH III | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $66K | $10K | $76K | 14.75% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $70 | $39 | $109 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 W MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 W MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOGWARTH III | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $368 | $2K | 11.88% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $17 | $1 | $18 | 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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 905 | 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 | 53 | $773K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 53 | $610K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 542 | $798K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 650 | $513K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 143 | $19K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 814 | $1.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 14 | $163K |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 3,790 | $147K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.