| 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 | 1.53% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - AUSTIN | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 1.25% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $58K | $76K | 15.40% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $4K | $23K | 4.57% |
| 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 | 2.18% |
| WIGHT, STEVEN, CHRISTOPHER3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 2.00% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $8K | 1.66% |
| 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 | — | $5K | $5K | 1.10% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $661 | $5K | $6K | 8.27% |
| TONEY, DANIEL, CLIFTON3 Filed as: TONEY, DANIEL, CLIFON | 101 LARKSPUR LANDING C STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $204 | $5K | 6.82% |
| WIGHT, STEVEN, CHRISTOPHER3 | 101 LARKSPUR LANDING CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| 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 | 1.59% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $660 | $151 | $811 | 1.18% |
| 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 | — | $292 | $292 | 0.43% |
| 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 | $7K | $7K | $14K | 22.18% |
| 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 | $2K | $1K | $4K | 6.05% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.86% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $171 | $171 | 0.27% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $561 | $3K | 8.89% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $3K | $3K | 8.42% |
| 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 | — | $1K | $1K | 3.98% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $955 | $955 | 3.04% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LNDG CIR STE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $522 | $31 | $553 | 1.76% |
| WIGHT, STEVEN, CHRISTOPHER3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $290 | — | $290 | 7.33% |
| YARBROUGH, KENNETH C3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $169 | $29 | $198 | 5.01% |
| TCS INSURANCE AGENCY INC3 | 100 SMITH RANCH RD. SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $180 | $180 | 4.55% |
| TONY, DANIEL, CLIFTON3 | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $124 | $28 | $152 | 3.84% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST. PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $82 | $82 | 2.07% |
| 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 | $65 | $57 | $122 | 13.06% |
| 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 | $6 | $6 | $12 | 1.28% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST. STE., 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6 | $6 | 0.64% |
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 | 422 | 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) | 422 | 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 | 2,712 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,712 | — |
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.