| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL TONEY3 Filed as: DANIEL C. TONEY | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | FIRST UNUM LIFE INSURANCE COMPANY | $36K | $7K | $43K | 3.15% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 0.30% |
| ROBERT A. MILLER3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 0.30% |
| LLOYD POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 0.30% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 0.23% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES, LLC | ATTN MARK BADLU 51 MADISON AVE, ROOM 606 NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 0.22% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIRCLE,STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $45K | $1K | $46K | 12.58% |
| TSC INSURANCE AGENCY INC.3 | DBA TRADEMARK CAPITAL SERVICES 101 LARKSPUR LANDING CIRCLE,STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $29K | $29K | 7.93% |
| LLOYD POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $7K | $12K | 3.23% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | — | $5K | 1.40% |
| ROBERT MILLER3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | — | $5K | 1.40% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 0.56% |
| SIDNEY MILLER3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 0.56% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1K | $1K | 0.37% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIR.,STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $37K | — | $37K | 11.64% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $5K | $5K | 1.52% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 1.32% |
| ROBERT MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 1.32% |
| LLOYD POMERANTZ3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 1.16% |
| SIDNEY MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 1.15% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20K | $25 | $20K | 10.23% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SERVICES 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $13K | $13K | 6.77% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $2K | $4K | 2.13% |
| LLOYD POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $2K | $4K | 1.90% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| ROBERT MILLER3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| SIDNEY MILLER3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 0.69% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $490 | $270 | $760 | 0.39% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $487 | $487 | 0.25% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $340 | — | $340 | 0.18% |
| DANIEL TONEY3 Filed as: DANIEL TONEY C/O TCS INS AGENCY | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | EXCEPTIONAL RISK ADVISORS | $27K | — | $27K | 14.71% |
| M FINANCIAL HOLDINGS INC3 Filed as: M. FINANCIAL GROUP | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97290 | EXCEPTIONAL RISK ADVISORS | $5K | — | $5K | 2.94% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $543 | $7K | 4.86% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $206 | $123 | $329 | 0.22% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $2K | $18K | 14.90% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SERVICES 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $9K | $9K | 7.20% |
| JONATHAN MILLER3 | 160 WEST END AVENUE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| ROBERT MILLER3 | 120 BROADWAY 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| LLOYD POMERANTZ3 | 120 BROADWAY 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 1.43% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $983 | $387 | $1K | 1.14% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $509 | $509 | 0.42% |
| SIDNEY MILLER3 | 120 BROADWAY 37TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $409 | — | $409 | 0.34% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIRCLE,STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | — | $13K | 11.52% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| ROBERT A. MILLER3 | 120 BROADWAY, 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| LLOYD M. POMERTANZ3 | 120 BROADWAY, 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| SIDNEY M. MILLER3 | 120 BROADWAY, 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $154 | $154 | 0.14% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK HOWARTH | DBA TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 4.35% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $957 | — | $957 | 3.96% |
| DANIEL TONEY3 Filed as: DANIEL C TONEY | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $28 | $4 | $32 | 0.13% |
| HAROLD P SHANNON3 | 9 W BROAD STREET SUITE 600 STAMFORD, CT 06902 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15 | — | $15 | 0.06% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $5 | $5 | 0.02% |
| JONATHAN MILLER3 | 160 WEST END AVENUE, APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ROBERT MILLER3 | 120 BROADWAY 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| LOYD POMERANTZ3 | 120 BROADWAY 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MATTHEW POMERANTZ3 | 120 BROADWAY 29TH FL NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| FRANCIS QUEALLY JR3 | 9 W BROAD STREET SUITE 600 STAMFORD, CT 06902 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| DANIEL TONEY3 Filed as: DANIEL C TONEY | 101 LARKSPUR LANDING CIR., STE 116 LARKSPUR, CA 94939 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $100 | $1K | 7.07% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | FIRST UNUM LIFE INSURANCE COMPANY | $143 | — | $143 | 0.75% |
| ROBERT A. MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | FIRST UNUM LIFE INSURANCE COMPANY | $143 | — | $143 | 0.75% |
| LLOYD POMERANTZ3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | FIRST UNUM LIFE INSURANCE COMPANY | $143 | — | $143 | 0.75% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | FIRST UNUM LIFE INSURANCE COMPANY | $107 | — | $107 | 0.56% |
| NYLIFE SECURITIES LLC3 | ATTN MARK BADLU 51 MADISON AVE, RM 606 NEW YORK, NY 10010 | FIRST UNUM LIFE INSURANCE COMPANY | — | $43 | $43 | 0.23% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 12.74% |
| ROBERT MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $254 | — | $254 | 1.45% |
| JONATHAN MILLER3 Filed as: JONATHAN H. MILLER | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $254 | — | $254 | 1.45% |
| LLOYD POMERANTZ3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $224 | — | $224 | 1.28% |
| SIDNEY MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $211 | — | $211 | 1.21% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL | 1125 NW COUCH STREET, STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $27 | $27 | 0.15% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 11.40% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SERVICES 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $973 | $973 | 5.84% |
| LLOYD POMERANTZ3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $208 | $286 | $494 | 2.96% |
| ROBERT MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $217 | — | $217 | 1.30% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $217 | — | $217 | 1.30% |
| MATTHEW POMERANTZ3 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $107 | — | $107 | 0.64% |
| SIDNEY MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $65 | — | $65 | 0.39% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $56 | $56 | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | PO BOX 905494 CHARLOTTE, NC 28290 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | — | $136 | 1.62% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 3500 LENOX ROAD SUITE 1600 ATLANTA, GA 30326 | THE PAUL REVERE LIFE INSURANCE COMPANY | $87 | — | $87 | 1.03% |
| KIM NATOVITZ CUTLER3 | STE 190 6550 ROCK SPRING DR BETHESDA, MD 20817 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.26% |
| DANIEL TONEY3 | 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $293 | — | $293 | 5.20% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SERVICES 101 LARKSPUR LANDING CIR, STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $238 | $238 | 4.22% |
| LLOYD POMERANTZ3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $25 | $26 | $51 | 0.90% |
| JONATHAN MILLER3 | 160 WEST END AVE APT 7C NEW YORK, NY 10023 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $28 | — | $28 | 0.50% |
| ROBERT MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $28 | — | $28 | 0.50% |
| SIDNEY MILLER3 | 120 BROADWAY, FLOOR 29 NEW YORK, NY 10271 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $25 | — | $25 | 0.44% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET,STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $13 | $13 | 0.23% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANY INC. | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $698 | — | $698 | 19.00% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $73 | $73 | 1.99% |
| ROBERT ROBERTORY3 | NORTHWESTERN MUTUAL 10306 EATON PL, STE 420 FAIRFAX, VA 22030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 2.44% |
| KIM NATOVITZ CUTLER3 | STE 190 6550 ROCK SPRING DRIVE BETHESDA, MD 20817 | UNUM LIEF INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 1.16% |
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 | 1,843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(13 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,661 | $2.7M |
| Long-term disability(14 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,661 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,661 | — |
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.