| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68K | $0 | $68K | 18.39% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $50K | $50K | 13.56% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $10K | $10K | 2.76% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 18.52% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURNACE AGENCY INC. | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $12K | $12K | 14.13% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 2.84% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 33.11% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $962 | $962 | 2.90% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 20.67% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 16.99% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $402 | $402 | 3.38% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $400 | $223 | $623 | 25.25% |
| M FINANCIAL HOLDINGS INC3 | SUITE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $55 | $55 | 2.23% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability(5 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 201 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.