| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONEY, DANIEL, CLIFTON3 Filed as: TONEY, DANIEL, CLIFON | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $2K | $43K | 11.01% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSUPR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $34K | $34K | 8.72% |
| WRIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 3.26% |
| 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 | — | $9K | $9K | 2.27% |
| TONEY, DANIEL, CLIFTON3 Filed as: TONEY, DANIEL, CLIFON | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $298 | $10K | 11.11% |
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8K | $8K | 8.88% |
| 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 | — | $2K | $2K | 2.22% |
| WIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.16% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC DBA | TRADEMARK CAPITAL SERVICE 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 21.83% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $947 | $947 | 2.28% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC DBA | TRADEMARK CAPITAL SERVICE 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 11.14% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LNDG CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $38 | $1K | 7.98% |
| WRIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 7.22% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC DBA | TRADEMARK CAPITAL SERVICE 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $195 | $194 | $389 | 27.63% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $36 | $36 | 2.56% |
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 | 260 | 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) | 260 | 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 | 183 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.