| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 14.18% |
| IMG5 | 2960 NORTH MERIDAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $70 | $70 | 0.02% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 13.79% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 19.74% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 20.00% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $695 | $5K | 10.52% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $10K |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $12.4M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $12.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 345 | $24K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,191 | $388K |
| Short-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,191 | $434K |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,191 | $546K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $12.4M |
| Other(5 contracts, 3 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,191 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,191 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.