| 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 | $10K | $0 | $10K | 4.95% |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PACIFIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.44% |
| HARRY LEVITT3 Filed as: HARRY NORMAN LEVITT | 23901 CALABASAS ROAD, SUITE 1015 CALABASAS, CA 91302 | PACIFIC LIFE INSURANCE COMPANY | $19 | $0 | $19 | 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 | $16K | $35K | 30.67% |
| 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 | 2.25% |
| 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 | $312 | $312 | 13.08% |
| STEVEN CHRISTOPHER WIGHT3 | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $173 | $10 | $183 | 7.67% |
| DANIEL CLIFTON TONEY3 | 100 SMITH RANCH ROAD, SUITE 340 SAN RAFAEL, CA 94903 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $138 | $0 | $138 | 5.79% |
| 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 | $45 | $45 | 1.89% |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $545K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $340K |
| Long-term disability(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $456K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.