| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 10.00% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | PACIFIC LIFE INSURANCE COMPANY | $24K | $0 | $24K | 9.44% |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PACIFIC LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.45% |
| HARRY LEVITT3 Filed as: HARRY NORMAN LEVITT | 23901 CALABASAS ROAD, SUITE 1015 CALABASAS, CA 91302 | PACIFIC LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.01% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $11K | $30K | 25.81% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 2.22% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $332 | $332 | 10.87% |
| STEVEN CHRISTOPHER WIGHT3 | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $317 | $0 | $317 | 10.38% |
| DANIEL CLIFTON TONEY3 | 101 LARKSPUR LANDING C, SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $181 | $0 | $181 | 5.92% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $77 | $77 | 2.52% |
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 | 533 | 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) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $595K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $342K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $460K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.