| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | MINNESOTA LIFE INSURANCE COMPANY | $116K | — | $116K | 3.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | — | $73K | 4.11% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | MINNESOTA LIFE INSURANCE COMPANY | $95K | — | $95K | 6.18% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179K | — | $179K | 20.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | EAST BUTLER AVENUE SECOND FLOOR AMBLER, PA 19002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | EAST BUTLER AVENUE SECOND FLOOR AMBLER, PA 19002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 2.00% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CIRCLE SUITE 1000 BOCA RATON, FL 33487 | MINNESOTA LIFE INSURANCE COMPANY | $17K | — | $17K | 5.27% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 19.91% |
| NEALE PHYPERS INSURANCE PARTNERS | 26865 CENTER RIDGE RD. WESTLAKE, OH 44145 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 4,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 319 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 53 | $863K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 53 | $863K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 1,976 | $334K |
| Life insurance(5 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 3,765 | $6.3M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,747 | $2.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,775 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,775 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.