| 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 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | — | $46K | 2.69% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | — | $46K | 2.69% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $40K | — | $40K | 2.48% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL SERVICES | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $40K | — | $40K | 2.48% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFITS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE CO. | $54K | — | $54K | 5.17% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE CO. | $54K | — | $54K | 5.17% |
| PETER LIZOTTE3 Filed as: PETER D. LIZOTTE | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $17K | — | $17K | 2.50% |
| KENNETH M. BERKOWITZ3 | 4601 WILSHIRE BLVD., SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $17K | — | $17K | 2.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | — | $6K | 0.88% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM III | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INS CO. | $10K | $4K | $14K | 6.28% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD., STE. 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $9K | $335 | $9K | 4.06% |
| 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. | $9K | $335 | $9K | 4.06% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE CO OF AMERICA | $31K | — | $31K | 16.18% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 1.36% |
| WILSHIRE FINANCIAL & INSURANCE SERV | 4601 WILSHIRE BLVD, STE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 1.36% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BLVD, SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $876 | — | $876 | 1.79% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $875 | — | $875 | 1.78% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD., STE. 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INS CO. | $2K | — | $2K | 5.89% |
| 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 | 5.89% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W. HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INS CO. | $197 | $76 | $273 | 0.71% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 538 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 538 | $1.0M |
| Vision | VISION SERVICE PLAN | 214 | $49K |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 870 | $676K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 870 | $676K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO. | 538 | $1.0M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 870 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.