| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR. NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $185K | $29K | $214K | 15.66% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DR. NASHVILLE, TN 37204 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $40K | — | $40K | 2.94% |
| STEPHENS INSURANCE LLC3 | P.O. BOX 3507 LITTLE ROCK, AR 72203 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $22K | $1K | $24K | 1.73% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 0.43% |
| LOUIS R FAIOLA3 Filed as: LOUIS J. PANTALONE | CUSTOM BENEFITS PROGRAMS INC P.O. BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.34% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE SERVICES INC | P.O. BOX 3507 LITTLE ROCK, AR 72203 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.20% |
| M FINANCIAL HOLDINGS INC3 Filed as: M. FINANCIAL HOLDINGS INC | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | -$4 | -$4 | -0.00% |
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 | 1,660 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | 6,585 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,585 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.