| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $47K | $0 | $47K | 2.71% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $47K | $0 | $47K | 2.71% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD, SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75K | $0 | $75K | 4.92% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75K | $0 | $75K | 4.92% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 2.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 2.50% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $4K | $12K | 4.25% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $630 | $12K | 4.19% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 3.45% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19K | $8K | $27K | 14.14% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 19.44% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 20.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $939 | — | $939 | 1.84% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $939 | — | $939 | 1.84% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $134 | $3K | 5.77% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $57 | $174 | 0.38% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 565 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 565 | $1.5M |
| Vision | VISION SERVICE PLAN | 230 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $924K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $852K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 565 | $1.5M |
| Other(10 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 898 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.