| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183K | $0 | $183K | 19.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $10K | $28K | 3.09% |
| 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 | $8K | $0 | $8K | 0.91% |
| 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 | $30K | $12K | $42K | 7.00% |
| MULTIPLE BROKERS3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 5.66% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $30K | $24K | $55K | 52.71% |
| 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 | $308 | $0 | $308 | 0.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $1K | $50K | 54.87% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $614 | $0 | $614 | 0.67% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $5K | $24K | 36.84% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $6K | $17K | 27.92% |
| 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 | $0 | $206 | 0.35% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOLS PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $3K | $18K | 44.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $453 | $20K | 54.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $247 | $0 | $247 | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METLIFE LEGAL PLANS | $3K | $377 | $4K | 10.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON BENEIFTS GROUP | TWO EMBARCADERO CENTER SUITE 1700 SAN FRANCISCO, CA 94111 | METLIFE LEGAL PLANS | $0 | $87 | $87 | 0.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $304 | $13K | 54.73% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $153 | $0 | $153 | 0.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | FIRST UNUM LIFE INSURANCE | $1K | $418 | $1K | 7.00% |
| TRAPANI DICKINS & ASSOCIATES3 | 515 S FLOWER ST STE 3510 LOS ANGELES, CA 91367 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.80% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $236 | $0 | $236 | 1.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA 35TH FLOOR LOS ANGELES, CA 90017 | AETNA INTERNATIONAL | $661 | $0 | $661 | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 340 HUFSON ST 4TH RL NEW YORK, NC 10014 | O'MELVENY & MYERS LLP | $226 | $0 | $226 | 4.07% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI, PHILIP C/O RUGGIERI CONSU | 355 LEXINGTON AVE 22FL NEW YORK, NY 10017 | O'MELVENY & MYERS LLP | $97 | $0 | $97 | 1.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 12TH FLOOR NEW YORK, NY 10173 | ZURICH AMERICAN INSURANCE COMPANY | $457 | $0 | $457 | 15.00% |
| SIMON PASTON AND SONS AGENCY3 | 381 SUNRISE HIGHWAY 4TH FLOOR LYNBROOK, NY 11563 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $34 | $0 | $34 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | — |
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 | 1,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 106 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $162K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 272 | $91K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,016 | $165K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,553 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,176 | $593K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,176 | $593K |
| Other(15 contracts, 12 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,553 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,553 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.