| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 133 PROSPECT STREET WESTFIELD, NJ 07090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.55% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 8.93% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $22K | $8K | $30K | 32.96% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $25K | $16K | $41K | 52.82% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $115 | $3K | 13.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | VISION SERVICE PLAN | $832 | $0 | $832 | 6.76% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $149 | $2K | 16.34% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $560 | $2K | 26.49% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL INC | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $177 | $177 | 1.99% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $730 | $3K | 39.73% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL INC | 7100 CAMINO REAL STE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $556 | $556 | 7.96% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $190K |
| Vision | VISION SERVICE PLAN | 87 | $12K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $101K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 149 | $24K |
| Long-term disability(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $285K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.