| 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 | $151K | — | $151K | 5.04% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | MINNESOTA LIFE INSURANCE COMPANY | $114K | — | $114K | 4.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $481K | — | $481K | 31.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.07% |
| DYE & ESKIN INC3 | 1324 VINCENT PL MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $437 | — | $437 | 0.03% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | SUITE 600 FOUR PPG PLACE PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 0.03% |
| CRAWFORD, KENT, MYRON3 | 3620 BIRCH ST NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $387 | — | $387 | 0.03% |
| PFLEGER FINANCIAL GROUP3 | STE 1010 2600 S DOUGLAS RD CORAL GABLES, FL 33134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | STE 1950 200 GALLERIA PARKWAY ALANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 0.01% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 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 | THE PADON GROUP 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% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $187K | — | $187K | 20.00% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL | 7100 W CAMINO REAL SUITE 403 BOCA RATON, FL 33433 | MINNESOTA LIFE INSURANCE COMPANY | $73K | — | $73K | 7.89% |
| M HOLDINGS SECURITIES INC.3 | 1125 NW COUCH STREET SUITE 900 PO BOX 2207 PORTLAND, OR 97209 | MINNESOTA LIFE INSURANCE COMPANY | $58K | — | $58K | 10.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | EAST BUTLER AVENUE SECOND FLOOR AMBLER, PA 19002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 2.96% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $51K | — | $51K | 29.71% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMP GROUP/SOUTHEAST INC | 3445 PEACHTREE RD STE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $414 | — | $414 | 0.24% |
| PFLEGER FINANCIAL GROUP3 | 2600 S DOUGLAS RD STE 1010 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 | $226 | — | $226 | 0.13% |
| PAUL J. CONNOLLY3 | 21ST FLOOR TWO PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $117 | — | $117 | 0.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | NORTHEAST, INC P.O. BOX 416672 BOSTON, MA 02241 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $107 | — | $107 | 0.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $73 | — | $73 | 0.04% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | STE 403 7100 CAMINO REAL BOCA RATON, FL 33433 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $69 | — | $69 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SEVICES LLC | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND CAUSALITY INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | EAST BUTLER AVENUE SECOND FLOOR AMBLER, PA 19002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.04% |
| INSURANCE PARTNERS AGENCY LLC DBA3 | NEALE PHYPERS 26865 CENTER RIDGE RD. WESTLAKE, OH 44145 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.76% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL GROUP INC | SUITE 600 FOUR PPG PLACE PITTSBURGH, PA 15222 | THE PAUL REVERE LIFE INSURANCE COMPANY | $409 | — | $409 | 1.59% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | THE PAUL REVERE LIFE INSURANCE COMPANY | $329 | — | $329 | 1.28% |
| POLLOCK LIFE INS CORPORATION3 | 150 PORTOLA RD PORTOLA VALLEY, CA 94028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.31% |
| 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 | $58 | — | $58 | 0.23% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 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 | STE 1100 201 MISSION ST 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, INC. | P.O. BOX 95287 CHICAGO, IL 60694 | 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% |
| PHILIP A BOXWELL3 | 2114 53RD STREET DES MOINES, IA 50310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.10% |
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 | 4,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 390 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $459K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $459K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,075 | $349K |
| Life insurance(5 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 4,273 | $4.6M |
| Long-term disability(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,264 | $4.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,281 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,281 | — |
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.