| 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 | $173K | — | $173K | 5.50% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | MINNESOTA LIFE INSURANCE COMPANY | $117K | — | $117K | 4.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $487K | — | $487K | 31.37% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.13% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | STE 1950 200 GALLERIA PARKWAY ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | SUITE 600 FOUR PPG PLACE PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $810 | — | $810 | 0.05% |
| CRAWFORD, KENT, MYRON3 | 3620 BIRCH ST NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $396 | — | $396 | 0.03% |
| PFLEGER FINANCIAL GROUP3 Filed as: PFLEGER, JAMES, MATHEW | 2600 S DOUGLAS STE 1010 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.02% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | PO BOX 301598 DALLAS, TX 75303 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.01% |
| KORNREICH, JAMES, DAVID3 | 4 PURCHASE HILLS DR PURCHASE, NY 10577 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.00% |
| LONGMONT GROUP INC DBA THE PADON CO3 Filed as: LONGMONT GROUP INC DBA | 5321 LONGMONT DR HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.00% |
| N A P C O INC3 | 30301 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| P FINANCIAL INC.3 | 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 | $101K | — | $101K | 9.03% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193K | — | $193K | 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 | $12K | — | $12K | 2.54% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL | 7100 W CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | MINNESOTA LIFE INSURANCE COMPANY | $24K | — | $24K | 6.27% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $54K | — | $54K | 30.11% |
| 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 | 0.32% |
| PFLEGER FINANCIAL GROUP3 | 255 ALHAMBRA CIR # 1200 CORAL GABLES, FL 33134 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $229 | — | $229 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTIG INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $227 | — | $227 | 0.13% |
| PAUL J. CONNOLLY3 | 21ST FLOOR TWO PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $117 | — | $117 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | P.O. BOX 416672 BOSTON, MA 02241 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $115 | — | $115 | 0.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $93 | — | $93 | 0.05% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | STE 403 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $83 | — | $83 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SEVICES LLC | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | EAST BUTLER AVENUE SECOND FLOOR AMBLER, PA 19002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.13% |
| 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 | $0 | — | $0 | 0.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.76% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | 4 PPG PL SUITE 600 PITTSBURGH, PA 15222 | THE PAUL REVERE LIFE INSURANCE COMPANY | $398 | — | $398 | 1.40% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | THE PAUL REVERE LIFE INSURANCE COMPANY | $327 | — | $327 | 1.15% |
| POLLOCK LIFE INS CORPORATION3 | 150 PORTOLA RD PORTOLA VALLEY, CA 94028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.30% |
| 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 | $62 | — | $62 | 0.22% |
| 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 | $12 | — | $12 | 0.04% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.00% |
| 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% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.27% |
| JAMES M POLLOCK INC3 | 150 PORTOLA RD PORTOLA VALLEY, CA 94028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.17% |
| PHILIP A BOXWELL3 | 2114 53RD STREET DES MOINES, IA 50310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.16% |
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 | 4,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 352 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24 | $477K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 24 | $477K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,030 | $348K |
| Life insurance(5 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 4,245 | $4.7M |
| Long-term disability(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,381 | $5.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,427 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,427 | — |
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.