| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $180K | — | $180K | 5.04% |
| 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 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $478K | — | $478K | 31.29% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.17% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $490 | — | $490 | 0.03% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVE STE 501 CHEVY CHASE, MD 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 0.03% |
| GATEWAY BENEFITS DBA THE Filed as: GATEWAY FINANCIAL GROUP INC | 4 PPG PL SUITE 600 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 0.02% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 0.02% |
| PFLEGER FINANCIAL GROUP3 | 255 ALHAMBRA CIR # 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.02% |
| A W ORMISTON & CO3 | 101 NORTH WACKER DRIVE SUITE 602 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 0.02% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.01% |
| KORNREICH, JAMES, DAVID3 | 565 5TH AVE STE 500 NEW YORK, NY 10175 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 0.01% |
| N A P C O INC3 | 30301 NORTHWEST HWY STE 200 FARMINGTON HILLS, MI 48334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.01% |
| PFLEGER FINANCIAL GROUP3 Filed as: PFLEGER FINANCIAL GROUP INC | 255 ALHAMBRA CIR # 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | MINNESOTA LIFE INSURANCE COMPANY | $133K | — | $133K | 9.35% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $199K | — | $199K | 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 | $21K | — | $21K | 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% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL INC. | 950 PENINSULA CIRCLE SUITE 1000 BOCA RATON, FL 33487 | MINNESOTA LIFE INSURANCE COMPANY | $14K | — | $14K | 3.71% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CIRCLE SUITE 1000 BOCA RATON, FL 33487 | MINNESOTA LIFE INSURANCE COMPANY | $9K | — | $9K | 2.59% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $52K | — | $52K | 29.97% |
| NFP INSURANCE SERVICES INC3 Filed as: THE MANAGEMENT COMP GROUP/SOUTHEAST | 345 PEACHTREE RD STE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $608 | — | $608 | 0.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTIG INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $417 | — | $417 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $380 | — | $380 | 0.22% |
| PFLEGER FINANCIAL GROUP3 | 255 ALHAMBRA CIR # 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $237 | — | $237 | 0.14% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | — | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $201 | — | $201 | 0.12% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $185 | — | $185 | 0.11% |
| PAUL J. CONNOLLY3 | 21ST FLOOR TWO PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $117 | — | $117 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 31 EAST BUTLER AVENUE FIRST FLOOR AMBLER, PA 19002 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $117 | — | $117 | 0.07% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $102 | — | $102 | 0.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SEVICES LLC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $61 | — | $61 | 0.04% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 19.79% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.20% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | 4 PPG PL SUITE 600 PITTSBURGH, PA 15222 | THE PAUL REVERE LIFE INSURANCE COMPANY | $434 | — | $434 | 1.37% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | THE PAUL REVERE LIFE INSURANCE COMPANY | $432 | — | $432 | 1.36% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | THE PAUL REVERE LIFE INSURANCE COMPANY | $167 | — | $167 | 0.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE PAUL REVERE LIFE INSURANCE COMPANY | $144 | — | $144 | 0.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2121 N CALIFORNIA BLVD STE 100 WALNUT CREEK, CA 94596 | THE PAUL REVERE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.38% |
| POLLOCK LIFE INS CORPORATION3 | 150 PORTOLA RD PORTOLA VALLEY, CA 94028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.25% |
| COTTER, DANIEL3 | 40 EAGLE VALLEY COURT BROADVIEW HEIGHTS, OH 44147 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| MICHAEL J KRUPIN CLU LTD3 | 9665 WILSHIRE BLVD STE 430 BEVERLY HILLS, CA 90212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $231 | — | $231 | 2.30% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $202 | — | $202 | 2.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 45 FREMONT ST STE 800 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 1.11% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 0.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY | 9020 STONY POINT PKWY STE 200 RICHMOND, VA 23235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 0.41% |
| PHILIP A BOXWELL3 | 2114 53RD STREET DES MOINES, IA 50310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.32% |
| JAMES M POLLOCK INC3 | 150 PORTOLA RD PORTOLA VALLEY, VA 94028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.17% |
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 | 4,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 348 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 42 | $703K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 42 | $703K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 4,068 | $346K |
| Life insurance(5 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 4,500 | $5.8M |
| Long-term disability(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,658 | $5.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,577 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,577 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.