| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDRICK WILLIAM HOWARTH3 Filed as: FREDRICK WILLIAM HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146K | $0 | $146K | 3.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $62K | $111K | 2.54% |
| JERRY MANNING3 Filed as: JERRY A. MANNING | 220 NORTH GREEN STREET CHICAGO, IL 60607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 0.35% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 14546 BROOK HOLLOW BOULEVARD SUITE 28 SAN ANTONIO, TX 78232 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 0.24% |
| EVELYN CORN3 | 8033 SUNSET BOULEVARD, SUITE 8250 LOS ANGELES, CA 90046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | $0 | $116 | 0.00% |
| MICHAEL PETER TRAPANI3 | 515 SOUTH FLOWER STREET, SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | $0 | $112 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING AND OTHER AGENTS | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71 | $0 | $71 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 415840 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71K | $16K | $87K | 8.54% |
| FREDRICK WILLIAM HOWARTH3 Filed as: FREDRICK WILLIAM HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $24K | $62K | 6.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 2.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $10K | $10K | 0.97% |
| MARIANNE P. DESKA AND OTHER AGENTS3 | 980 WHEELER WAY, SUITE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.02% |
| TOTAL PACKAGE PARTNERS INC3 Filed as: TOTAL PACKAGE PARTNERS, INC. | 980 WHEELER WAY, SUITE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $208 | $208 | 0.02% |
| DAVID A. BRANDIES3 | 980 WHEELER WAY, SUITE 493 LONGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $0 | $7K | $7K | 1.76% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNUM INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | $0 | $1K | 20.00% |
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 | 1,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 56 | $896K |
| Vision | VISION SERVICE PLAN | 1,209 | $129K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,761 | $4.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,761 | $5.4M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,761 | $5.4M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 56 | $896K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,761 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,761 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.