| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $101K | $25K | $126K | 6.25% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS INC. | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $16K | $69K | 6.50% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH III, FREDRICK W | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138K | — | $138K | 15.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | STE 330 12647 ALCOSTA BLVD SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.32% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.66% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FNCL BENE-FACTS INC | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 5.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $9K | $45K | 6.25% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $8K | $42K | 6.25% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $22K | — | $22K | 5.07% |
| PETER LIZOTTE3 Filed as: PETER D LIZOTTE | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| 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 | — | $3K | $3K | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD CONCORD, CA 94520 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 15.79% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS | STE 200 4601 WILSHIRE BLVD LOS ANGELES, CA 90010 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY SUITE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.71% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS, INC | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | METLIFE LEGAL PLANS | $3K | $544 | $4K | 11.63% |
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 | 1,898 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 29 | $205K |
| Dental | AETNA LIFE INSURANCE COMPANY | 29 | $205K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,138 | $318K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,788 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,126 | $958K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,461 | $2.0M |
| Other(6 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,263 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,263 | — |
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.