| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SVCS LLC | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNITED HEALTHCARE INSURANCE COMPANY | $91K | — | $91K | 4.12% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W. TAPERT INS AGENCY | 14 N BALDWIN SIERRA MADRE, CA 91024 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.38% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $4K | $46K | 22.80% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SVCS LLC | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.40% |
| DONALD W TAPERT INS AGCY INC3 Filed as: DONALD W TAPERT INS AGENCY | 14 N BALDWIN AVENUE SIERRA MADRE, CA 91124 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.60% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W. TAPERT INS. AGENCY | 14 N BALDWIN SIERRA MADRE, CA 91024 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.01% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SVCS LLC | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.99% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH III | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $498 | $5K | 24.31% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SVCS LLC | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $630 | — | $630 | 2.85% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W. TAPERT INS AGENCY | 14 N BALDWIN AVENUE SIERRA MADRE, CA 91024 | VISION SERVICE PLAN | $539 | — | $539 | 2.44% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 271 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $191K |
| Vision | VISION SERVICE PLAN | 181 | $22K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 231 | $164K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.