| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP. OF NEW YORK | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | OXFORD HEALTH INSURANCE, INC. | $109K | $4K | $113K | 2.80% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $94K | — | $94K | 14.77% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 90064 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 4.97% |
| FREDEICK W HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 19.93% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 19.90% |
| LLOYD S. BERKETT INSURANCE AGENCY3 | 11150 W. OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 900641828 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 8.66% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 371 | $4.0M |
| Dental | AETNA LIFE INSURANCE CO. | 981 | $430K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $60K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $696K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $636K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $636K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 597 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.