| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $24K | $83K | 6.98% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 1.17% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 2.93% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 2.05% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $122K | — | $122K | 18.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $1K | $27K | 4.60% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $14K | $41K | 7.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 5.83% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $979 | — | $979 | 0.37% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $1K | $5K | 6.16% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | HYATT LEGAL PLANS | $3K | $375 | $3K | 11.42% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $17K | $60K | — |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | — |
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 | 1,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 51 | $265K |
| Dental | AETNA LIFE INSURANCE COMPANY | 51 | $265K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,116 | $325K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,631 | $1.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,096 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $1.4M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 51 | $265K |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,673 | $940K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,673 | — |
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.