| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY, STE. 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $13K | $53K | 11.43% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $10K | $50K | 10.65% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $2K | $6K | 12.15% |
| MCKILLOP, ROBERT, EMMETT3 | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | — | $5K | 8.70% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY SUITE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1K | $1K | 2.31% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $284 | $1K | 18.94% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY, STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $676 | $189 | $865 | 12.63% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY, STE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $176 | $805 | 15.25% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY, STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $629 | $176 | $805 | 15.25% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BRAODWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $46 | $209 | 18.91% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY, STE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $30 | $139 | 12.58% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY, SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $26 | $120 | 14.91% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 9301 SOUTHWEST FREEWAY, SUITE 270 HOUSTON, TX 77074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $26 | $120 | 14.91% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(6 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 187 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.