| 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 | — | $41K | 2.53% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | AETNA HEALTH OF CALIFORNIA INC | $41K | — | $41K | 2.53% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 2.53% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 2.53% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 2.30% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 2.30% |
| PETER LIZOTTE3 Filed as: PETER D. LIZOTTE | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $18K | — | $18K | 2.56% |
| KENNETH M. BERKOWITZ3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $18K | — | $18K | 2.56% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM III | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE CO. | $26K | — | $26K | 10.31% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE CO OF AMERICA | $45K | — | $45K | 18.91% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 0.61% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INSURANCE SVCS | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 0.61% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE CO. | $19K | — | $19K | 9.95% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM III | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INS CO. | $13K | $4K | $18K | 10.94% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD., STE. 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $7K | $133 | $8K | 4.68% |
| 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. | $7K | $133 | $8K | 4.68% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $829 | — | $829 | 2.03% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $828 | — | $828 | 2.03% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD., STE. 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $3K | $82 | $3K | 8.07% |
| 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. | $3K | $82 | $3K | 8.07% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INS CO. | $205 | $76 | $281 | 0.79% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 285 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 250 | $190K |
| Vision | VISION SERVICE PLAN | 190 | $41K |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 417 | $692K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 417 | $692K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 417 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.