| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | LARKSPUR LANDING C, SUITE 116 LARKSPUR, CA 94939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 10.64% |
| TCS INSURANCE AGENCY INC3 | 101 LARKSPURE LANDING C, SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $5K | $19K | 23.17% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $930 | $930 | 1.12% |
| TONEY, DANIEL, CLIFTON3 | 101 LARKSPUR LANDING C, SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $975 | — | $975 | 20.17% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY INC. | 101 LARKSPUR LANDING C, SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $626 | $626 | 12.95% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $147 | $147 | 3.04% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | FIRST UNUM LIFE INSURANCE COMPANY | $505 | $25 | $530 | 15.38% |
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 | 478 | 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) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $178K |
| Short-term disability(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $269K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $178K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.