| 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 | $98K | — | $98K | 5.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS INC. | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 900103865 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $18K | $78K | 5.71% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 | 4601 WILSHIRE BLVD STE 200 LOS ANGELES, CA 90010 | HARTFORD LIFE AND ACCIDENT | $60K | — | $60K | 5.00% |
| 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 | $118K | — | $118K | 13.33% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 1.79% |
| 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 | $8K | — | $8K | 0.89% |
| 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 | $39K | — | $39K | 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 | $26K | — | $26K | 4.55% |
| LIZOTTE, PETER D3 | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1401 WILLOW PASS ROAD CONCORD, CA 94520 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 9.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FL SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.83% |
| 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 | $6K | — | $6K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PARKWAY SUITE 325 SAN RAMON, CA 945834335 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.59% |
| 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 | $48 | $3K | 11.71% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS, INC | 4601 WILSHIRE BLVD #200 LOS ANGELES, CA 900100000 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 10.58% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS, INC | 4601 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90010 | METROPOLITAN GENERAL INSURANCE COMPANY | $683 | — | $683 | 4.93% |
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 | 2,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 16 | $129K |
| Dental | AETNA LIFE INSURANCE COMPANY | 16 | $129K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,341 | $266K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,437 | $3.1M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,307 | $976K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,672 | $2.0M |
| Other(7 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,191 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,437 | — |
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.