| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | OXFORD HEALTH PLANS | $66K | $6K | $72K | 2.73% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 7.50% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 6.62% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | $6K | $19K | 25.75% |
| 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 | $2K | $2K | 3.07% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | $3K | $9K | 23.93% |
| 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 | $1K | $1K | 3.23% |
| BSC AGENCY LLC3 Filed as: BSC GROUP SERVICES, LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | VISION SERVICE PLAN | $651 | $0 | $651 | 8.11% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $559 | $2K | 24.18% |
| 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 | $239 | $239 | 2.98% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORP CIR SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $53 | $1K | 15.75% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $731 | $275 | $1K | 23.92% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET SUITE 900 PORT, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $132 | $132 | 3.14% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH PLANS | 352 | $2.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 107 | $131K |
| Vision | VISION SERVICE PLAN | 63 | $8K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 143 | $213K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 130 | $7K |
| Long-term disability(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 143 | $336K |
| Prescription drug | OXFORD HEALTH PLANS | 352 | $2.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 143 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.