| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSHIRE FINANCIAL & INSURANCE SERV Filed as: WILSHIRE FINANCIAL AND INSURANCE | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $35K | — | $35K | 4.11% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | 725 S. FIGUEROA 35TH FLOOR LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $174 | $174 | 0.02% |
| WILSHIRE FINANCIAL & INSURANCE SERV Filed as: WILSHIRE FINANCIAL AND INSURANCE | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 4.51% |
| WILSHIRE FINANCIAL & INSURANCE SERV Filed as: WILSHIRE FINANCIAL AND INSURANCE | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.75% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANIES OF AMERICA | $32K | — | $32K | 19.64% |
| WILSHIRE FINANCIAL & INSURANCE SERV Filed as: WILSHIRE FINANCIAL AND INSURANCE | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY AND AFFILIATE | $13K | — | $13K | 9.82% |
| WILSHIRE FINANCIAL & INSURANCE SERV Filed as: WILSHIRE FINANCIAL AND INSURANCE | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.00% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 19.40% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.57% |
| WILSHIRE FINANCIAL & INSURANCE SERV Filed as: WILSHIRE FINANCIAL AND INSURANCE | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $811 | — | $811 | 6.92% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 139 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATE | 347 | $132K |
| Vision | VISION SERVICE PLAN | 133 | $12K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $245K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 188 | $194K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANIES OF AMERICA | 84 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.