| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING - AUSTIN | 9500 ARBORETUM BLVD. SUITE 100 AUSTIN, TX 78759 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.50% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - AUSTIN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 1.25% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $27K | $42K | $68K | 12.15% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $26K | $6K | $31K | 5.52% |
| TONEY, DANIEL, CLIFTON3 | 100 SMITH RANCH RD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $19K | $1K | $21K | 3.67% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 375 NORTHRIDGE RD. SUITE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $16K | $18K | 3.12% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $13K | $13K | 2.22% |
| STEVEN CHRISTOPHER WIGHT3 | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8K | — | $8K | 1.45% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $4K | $5K | 7.74% |
| TONEY, DANIEL, CLIFTON3 | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $202 | $4K | 6.22% |
| WIGHT, STEVEN, CHRISTOPHER3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.28% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.55% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $827 | $171 | $998 | 1.44% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 375 NORTHRIDGE ROAD ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $424 | $478 | 0.69% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $5K | $12K | 18.31% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 375 NORTHRIDGE ROAD ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 8.50% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC,. | 1125 NW COUCH ST. STE., 900 STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.98% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $150 | $150 | 0.23% |
| WRIGHT, STEVEN, CHRISTOPHER3 Filed as: WRIGHT, STEVEN CHRISTOPHER | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.97% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $667 | $4K | 8.88% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 7.38% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 375 NORTHRIDGE RD. SUITE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 3.90% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 3.02% |
| TONEY, DANIEL, CLIFTON3 | 100 SMITH RANCH ROAD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $464 | $25 | $489 | 1.17% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $260 | $260 | 9.31% |
| WIGHT, STEVEN, CHRISTOPHER3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $201 | — | $201 | 7.20% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $147 | $32 | $179 | 6.41% |
| TONEY, DANIEL, CLIFTON3 | 100 SMITH RANCH RD SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $87 | $20 | $107 | 3.83% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 375 NORTHRIDGE ROAD SUITE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $102 | $102 | 3.65% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST. PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $67 | $67 | 2.40% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC DBA | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $52 | $95 | 15.15% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 375 NORTHRIDGE ROAD SUITE 515 ATLANTA, GA 30350 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 1.59% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7 | $7 | 1.12% |
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 | 421 | 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) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,708 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,708 | — |
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.