| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4601 WILSHIRE BLVD SUTE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $44K | $0 | $44K | 2.22% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $44K | $0 | $44K | 2.22% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $42K | $0 | $42K | 2.28% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $42K | $0 | $42K | 2.28% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 4.65% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | $0 | $57K | 4.65% |
| LIZOTTE, PETER D3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 3.13% |
| BERKOWITZ KENNETH M3 Filed as: BERKOWITZ, KENNETH M | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 2.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $11K | 4.75% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 3.94% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 3.04% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14K | $11K | $26K | 18.05% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 20.17% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 20.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $468 | $6K | 8.13% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $973 | $0 | $973 | 1.82% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $973 | $0 | $973 | 1.82% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $159 | $1K | 4.63% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD STE 212 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $943 | $0 | $943 | 3.21% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $43 | $106 | 0.36% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 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 | 453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 551 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 551 | $1.2M |
| Vision | VISION SERVICE PLAN | 226 | $53K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 893 | $872K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 893 | $797K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 551 | $1.2M |
| Other(11 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 893 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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.