| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO | $58K | $1K | $59K | 4.31% |
| TAPERT INSURANCE AGENCY3 Filed as: TAPERT INSURANCE AGENCY INC | 14 N BALDWIN AVE SIERRA MADRE, CA 91024 | AETNA LIFE INSURANCE CO | $13K | $5K | $18K | 1.33% |
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | AETNA HEALTH INC | $37K | $9K | $46K | 4.67% |
| TAPERT INSURANCE AGENCY3 Filed as: TAPERT INSURANCE AGENCY LLC | 14 N BALDWIN AVE SIERRA MADRE, CA 91024 | AETNA HEALTH INC | $8K | — | $8K | 0.85% |
| HOWARTH III, FREDERICK W3 | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $38 | $39K | 19.67% |
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.00% |
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.47% |
| BENEFITS AMERICA INSURANCE SERVICE3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $1K | — | $1K | 5.02% |
| HOWARTH III, FREDERICK W3 | DBA TBG WEST INSURANCE SERVICE 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1 | $4K | 17.96% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 358 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO | 358 | $1.4M |
| Vision | VISION SERVICE PLAN | 185 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $231K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.