| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCS INSURANCE AGENCY INC3 | DBA TRADEMARK CAPITAL SER 101 LARKSPUR LANDING C STE 116 LARKSUPR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $38K | $54K | 10.12% |
| TONEY, DANIEL, CLIFTON3 Filed as: TONEY, DANIEL, CLIFON | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $2K | $32K | 6.05% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $4K | $20K | 3.78% |
| WRIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 2.38% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 3390 PEACHTREE ROAD NE SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $12K | $12K | 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 | — | $11K | $11K | 2.15% |
| TONEY, DANIEL, CLIFTON3 Filed as: TONEY, DANIEL, CLIFON | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $256 | $7K | 8.08% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $5K | $6K | 6.92% |
| WIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.39% |
| 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 | 1.71% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $126 | $591 | 0.71% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 3390 PEACHTREE ROAD NE SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $318 | $318 | 0.38% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC DBA | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $6K | $14K | 18.74% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 3390 PEACHTREE ROAD NE SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.94% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.52% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $810 | $810 | 1.06% |
| WRIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 9.31% |
| 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 | 7.92% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $992 | $273 | $1K | 5.84% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LNDG CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $732 | $39 | $771 | 3.56% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS INC. | 3390 PEACHTREE ROAD NE SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $657 | $657 | 3.03% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $567 | $567 | 2.62% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC DBA | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99 | $58 | $157 | 16.24% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $16 | $16 | 1.65% |
| NATIONAL PLANNING CONSULTANTS INC3 Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 3390 PEACHTREE ROAD NE SUITE 101 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.10% |
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 | 316 | 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) | 316 | 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 | 280 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.