| 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 | $60K | $0 | $60K | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | KAISER FOUNDATION HEALTH PLAN INC | $60K | — | $60K | 2.61% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $45K | $0 | $45K | 2.51% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $45K | $0 | $45K | 2.51% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTHCARE OF CALIFORNIA | $8K | $0 | $8K | 0.43% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | $0 | $69K | 5.12% |
| 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 | $69K | $0 | $69K | 5.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 0.88% |
| LIZOTTE, PETER D3 Filed as: LIZOTTE PETER D | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 2.82% |
| BERKOWITZ KENNETH M3 | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 2.82% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $8K | 4.37% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 2.49% |
| 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 | $4K | $0 | $4K | 2.01% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8K | $6K | $15K | 15.27% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 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 | $7K | $0 | $7K | 7.50% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.86% |
| 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 | $0 | $8K | 10.86% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III FREDERICK W | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 20.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $1K | — | $1K | 1.98% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL & INS SERVICES | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $804 | — | $804 | 1.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4601 WILSHIRE BLVD SUITE 212 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $581 | $0 | $581 | 1.10% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $866 | $236 | $1K | 5.12% |
| 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 | $618 | $0 | $618 | 2.87% |
| 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 | $49 | $32 | $81 | 0.38% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 521 | $5.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 521 | $1.4M |
| Vision | VISION SERVICE PLAN | 249 | $53K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 865 | $695K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 865 | $695K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 521 | $1.4M |
| Other(8 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 865 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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.