| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $69K | $26K | $95K | 6.31% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 0.46% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $9K | $39K | 4.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 3.33% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 1.71% |
| 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 | $28K | $11K | $39K | 6.41% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 0.82% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98K | — | $98K | 17.77% |
| 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 | $25K | $9K | $34K | 6.75% |
| PETER LIZOTTE3 Filed as: PETER D LIZOTTE | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
| ASCENDE, INC.3 Filed as: ASCENDE INC | 2700 POST OAK BLVD, 25TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 5.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.12% |
| 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 | $5K | — | $5K | 5.00% |
| PETER LIZOTTE3 Filed as: PETER D LIZOTTE | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 3.49% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $331 | $73 | $404 | 0.47% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS, INC. | 4601 WILSHIRE BLVD., SUITE 200 LOS ANGELES, CA 90010 | METLIFE LEGAL PLANS | $3K | $391 | $3K | 11.28% |
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 | 1,889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 58 | $283K |
| Dental | AETNA LIFE INSURANCE COMPANY | 58 | $283K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,156 | $399K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,644 | $2.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,016 | $603K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,315 | $1.8M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 58 | $283K |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,733 | $772K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,733 | — |
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.