| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $71K | — | $71K | 4.64% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | AETNA HEALTH, INC | $39K | — | $39K | 4.51% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 10.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | STARMOUNT LIFE INSURANCE COMPANY | $20K | — | $20K | 10.20% |
| HOWARTH III, FREDERICK W Filed as: HOWARTH III, FEDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 18.70% |
| HOWARTH III, FREDERICK W Filed as: HOWARTH III, FEDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 20.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.81% |
| HOWARTH III, FREDERICK W Filed as: HOWARTH III, FEDERICK W | 7077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 20.54% |
| HOME OFFICE TPA PAYS COMMISSION Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | THE HARTFORD | $0 | $0 | $0 | 0.00% |
| HOWARTH III, FREDERICK W Filed as: HOWARTH III, FEDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 111 | $2.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 165 | $1.7M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 165 | $200K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $366K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $348K |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.