| 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 | $177K | — | $177K | 5.50% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | MINNESOTA LIFE INSURANCE COMPANY | $115K | — | $115K | 4.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $480K | — | $480K | 31.09% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $991 | — | $991 | 0.06% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | 4 PPG PL SUITE 600 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 0.03% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $454 | — | $454 | 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% |
| A W ORMISTON & CO3 | 101 NORTH WACKER DRIVE SUITE 602 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 0.02% |
| PFLEGER FINANCIAL GROUP3 | 255 ALHAMBRA CIR # 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.01% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GRP | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $148 | — | $148 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 301598 DALLAS, TX 75303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.01% |
| N A P C O INC3 | 30301 NORTHWEST HWY STE 200 FARMINGTON HILLS, MI 48334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.01% |
| LONGMONT GROUP INC DBA THE PADON CO3 | 550 POST OAK BLVD STE 300 HOUSTON, TX 77027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2 STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| P. FINANCIAL, INC. DBA PFLEGER3 Filed as: P. FINANCIAL INC. DBA | STE 1010 2600 S DOUGLAS RD CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET SUITE 900 PO BOX 2207 PORTLAND, OR 97209 | MINNESOTA LIFE INSURANCE COMPANY | $89K | — | $89K | 7.60% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $189K | — | $189K | 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 | $19K | — | $19K | 3.31% |
| 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 | 2.18% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL | 7100 W CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | MINNESOTA LIFE INSURANCE COMPANY | $23K | — | $23K | 6.27% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $59K | — | $59K | 30.22% |
| 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 | $575 | — | $575 | 0.29% |
| AON CONSULTING INC3 Filed as: AON CONSULTIG INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $231 | — | $231 | 0.12% |
| PFLEGER FINANCIAL GROUP3 | 255 ALHAMBRA CIR # 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $229 | — | $229 | 0.12% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | STE 403 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $167 | — | $167 | 0.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $165 | — | $165 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | P.O. BOX 416672 BOSTON, MA 02241 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $143 | — | $143 | 0.07% |
| PAUL J. CONNOLLY3 | 21ST FLOOR TWO PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $117 | — | $117 | 0.06% |
| 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 | $70 | — | $70 | 0.04% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $51 | — | $51 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SEVICES LLC | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| INSURANCE PARTNERS AGENCY LLC DBA3 Filed as: INSURANCE PARTNERS AGENCY LLC DBA N | NEALE PHYPERS 26865 CENTER RIDGE RD. WESTLAKE, OH 44145 | FEDERAL INSURANCE COMPANY | $22K | — | $22K | 45.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.88% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | 4 PPG PL SUITE 600 PITTSBURGH, PA 15222 | THE PAUL REVERE LIFE INSURANCE COMPANY | $200 | — | $200 | 0.75% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | THE PAUL REVERE LIFE INSURANCE COMPANY | $186 | — | $186 | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | — | $132 | 0.50% |
| POLLOCK LIFE INS CORPORATION3 | 150 PORTOLA RD PORTOLA VALLEY, CA 94028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2121 N CALIFORNIA BLVD STE 1000 WALNUT CREEK, CA 94596 | THE PAUL REVERE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.20% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST VIRGINA BEACH, VA 23462 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| MICHAEL J KRUPIN CLU LTD3 | 9665 WILSHIRE BLVD STE 430 BEVERLY HILLS, CA 90212 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | THE PAUL REVERE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 18.07% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $189 | — | $189 | 1.88% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 1.23% |
| 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 | $86 | — | $86 | 0.85% |
| 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 | $32 | — | $32 | 0.32% |
| PHILIP A BOXWELL3 | 2114 53RD STREET DES MOINES, IA 50310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.22% |
| JAMES M POLLOCK INC3 | 150 PORTOLA RD PORTOLA VALLEY, CA 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 | 4,613 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 396 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $565K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $565K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 4,073 | $350K |
| Life insurance(5 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 4,419 | $4.9M |
| Long-term disability(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,529 | $5.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,613 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,613 | — |
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.