| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 2.51% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 2.51% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $48K | — | $48K | 2.51% |
| EXECUTIVE FINANCIAL BENE-FACTS INC | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $48K | — | $48K | 2.51% |
| 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 | $68K | — | $68K | 5.24% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | — | $68K | 5.24% |
| LIZOTTE, PETER D3 Filed as: LIZOTTE PETER D | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 2.50% |
| BERKOWITZ KENNETH M3 | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 2.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 4.25% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 2.54% |
| 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 | $5K | — | $5K | 2.39% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 19.90% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10K | $8K | $19K | 18.28% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 20.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 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 | $8K | — | $8K | 10.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.50% |
| 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 | — | $5K | 7.50% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $898 | — | $898 | 1.70% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $89 | — | $89 | 0.17% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.98% |
| 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 | $740 | — | $740 | 2.71% |
| 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 | $55 | $33 | $88 | 0.32% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 541 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 541 | $1.3M |
| Vision | VISION SERVICE PLAN | 244 | $53K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $840K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $840K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 541 | $1.3M |
| Other(11 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 902 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.