| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | MINNESOTA LIFE INSURANCE COMPANY | $135K | — | $135K | 4.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $175K | — | $175K | 6.33% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | MINNESOTA LIFE INSURANCE COMPANY | $109K | — | $109K | 7.63% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183K | — | $183K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | EAST BUTLER AVENUE SECOND FLOOR AMBLER, PA 19002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 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 | $11K | — | $11K | 2.00% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CIRCLE SUITE 1000 BOCA RATON, FL 33487 | MINNESOTA LIFE INSURANCE COMPANY | $21K | — | $21K | 6.29% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 21.84% |
| NEALE PHYPERS INSURANCE PARTNERS3 | 26865 CENTER RIDGE RD. WESTLAKE, OH 44145 | FEDERAL INSURANCE COMPANY | $17K | — | $17K | 45.00% |
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 | 4,719 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 349 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 39 | $783K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 39 | $783K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 4,025 | $368K |
| Life insurance(5 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 3,792 | $5.8M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,727 | $3.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,719 | $993K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,719 | — |
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.