| 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. | $70K | — | $70K | 4.47% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | AETNA HEALTH, INC. | $34K | — | $34K | 4.56% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 10.00% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 19.55% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | STARMOUNT LIFE INSURNACE COMPANY | $19K | — | $19K | 10.19% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 20.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 18.91% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 20.00% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | THE HARTFORD | $0 | — | $0 | 0.00% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| HOWARTH III, FREDERICK W Filed as: HOWARTH, FREDERICK TBG WEST INSUR | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PAUL REVERE LIFE INSURANCE COMPANY | $1K | $866 | $2K | 18.15% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD. #212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 10.06% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $713 | $2K | 31.92% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90210 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $598 | $2K | 29.95% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $719 | — | $719 | 20.00% |
| HOWARTH III, FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $117 | $70 | $187 | 15.52% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 117 | $1.6M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURNACE COMPANY | 154 | $197K |
| Vision | STARMOUNT LIFE INSURNACE COMPANY | 154 | $187K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $343K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $329K |
| Other(11 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.