| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $11K | $27K | 3.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $33K | $66K | 9.74% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKENS & ASSOCIATES | 515 S FLOWER STREET SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.21% |
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $371 | $0 | $371 | 0.05% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117K | $0 | $117K | 19.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AETNA INTERNATIONAL | $32K | $2K | $35K | 14.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY | $23K | $1K | $24K | 10.03% |
| PETER LIZOTTE3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 1.70% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $482 | $4K | 1.63% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $13 | $1K | 0.49% |
| WILLIAM BEAR3 | 7105 SWAN WAY CARY, IL 60013 | METROPOLITAN LIFE INSURANCE COMPANY | $912 | $0 | $912 | 0.40% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18K | $10K | $28K | 22.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $426 | $0 | $426 | 0.34% |
| GBS FINANCE3 | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $85 | $85 | 0.07% |
| SIMON PASTON AND SONS AGENCY3 Filed as: SIMON PASTON & SONS AGY INC | 381 SUNRISE HIGHWAY 4TH FLOOR LYNBROOK, NY 11563 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $34 | $0 | $34 | 0.03% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $6K | $23K | 31.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $114 | $320 | 0.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $955 | $4K | 9.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES LLC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $522 | $0 | $522 | 1.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CTR STE 609 SAN FRANSICO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | $0 | $214 | 0.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $71 | $71 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $3K | $389 | $3K | 10.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $0 | $73 | $73 | 0.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 350 HUDSON STREET 4TH FLR NEW YORK, NC 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $226 | $0 | $226 | 4.22% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING | 355 LEXINGTON AVENUE 22ND FLOOR NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $110 | $0 | $110 | 2.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $226 | $0 | $226 | 4.22% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING | 355 LEXINGTON AVENUE 22ND FLOOR NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $110 | $0 | $110 | 2.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | GERBER LIFE INSURANCE COMPANY | $170 | $0 | $170 | 15.04% |
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 | 1,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 460 | $538K |
| Dental(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 235 | $554K |
| Vision(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 1,043 | $632K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,202 | $998K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $678K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $678K |
| Other(11 contracts, 10 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,491 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,491 | — |
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.