| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | AETNA HEALTH OF CALIFORNIA INC | $41K | $11K | $52K | 2.92% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | AETNA HEALTH OF CALIFORNIA INC | $41K | — | $41K | 2.30% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 2.56% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $39K | — | $39K | 2.56% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 2.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 2.50% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM III | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE CO. | $29K | $19K | $48K | 17.79% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE CO. | $19K | — | $19K | 9.95% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE CO OF AMERICA | $32K | $547 | $33K | 20.34% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INS CO. | $13K | $4K | $17K | 17.54% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD., STE. 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $2K | — | $2K | 2.41% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INSURANCE SVCS | 4601 WILSHIRE BLVD., STE. 212 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $2K | — | $2K | 2.41% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $876 | — | $876 | 1.95% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $876 | — | $876 | 1.95% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD., STE. 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $1K | $1K | $3K | 18.51% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INSURANCE SVCS | 4601 WILSHIRE BLVD., STE. 212 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $1K | $1K | $3K | 18.51% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM III | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INS CO. | $215 | $165 | $380 | 2.66% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 298 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 268 | $191K |
| Vision | VISION SERVICE PLAN | 184 | $45K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 459 | $46K |
| Other(5 contracts, 4 carriers) | THE PAUL REVERE LIFE INSURANCE CO. | 459 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.