| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | AETNA LIFE INSURANCE COMPANY | $61K | $12K | $73K | 2.95% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PRUDENTAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.00% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $229 | $2K | 7.75% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $20K | $36K | 114.15% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $1K | $1K | 3.98% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | $12K | $19K | 130.62% |
| 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 | $563 | $563 | 3.94% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $486 | $24 | $510 | 6.15% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 116.12% |
| 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 | $132 | $132 | 3.95% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $696 | $1K | $2K | 129.10% |
| 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 | $56 | $56 | 3.99% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 296 | $2.5M |
| Life insurance | PRUDENTAL INSURANCE COMPANY OF AMERICA | 145 | $79K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 130 | $8K |
| Long-term disability(6 contracts, 4 carriers) | PRUDENTAL INSURANCE COMPANY OF AMERICA | 145 | $160K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 296 | $2.5M |
| Other | PRUDENTAL INSURANCE COMPANY OF AMERICA | 145 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.