| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY AMERICA | $77K | $13K | $89K | 6.34% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS INC. | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 900103865 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $23K | $91K | 9.77% |
| HOWARTH III, FREDERICK W3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113K | — | $113K | 17.83% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.65% |
| 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 | $2K | — | $2K | 0.32% |
| 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 | $32K | $5K | $37K | 6.32% |
| 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% |
| 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 | $25K | $4K | $29K | 6.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD CONCORD, CA 94520 | AETNA LIFE INSURANCE CO. | $17K | — | $17K | 5.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD CONCORD, CA 94520 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 5.47% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 5.00% |
| PETE D. LIZOTTE3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 5.33% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | FIRST UNUM LIFE INSURANCE COMPANY | — | $976 | $976 | 0.87% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS, INC | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METLIFE LEGAL PLANS | $4K | $592 | $4K | 11.66% |
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 | 1,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,555 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 59 | $298K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,118 | $341K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,072 | $409K |
| Life insurance(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,640 | $2.4M |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,061 | $995K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY AMERICA | 1,357 | $1.4M |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,653 | $837K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,653 | — |
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.