| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $134K | $54K | $188K | 6.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $21K | $76K | 5.43% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $57K | $0 | $57K | 4.44% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $108K | $56K | $163K | 20.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $15K | $15K | 1.85% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | $0 | $13K | 1.59% |
| LENOX ADVISORS INC3 | 90 PARK AVENUE NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PACIFIC LIFE AND ANNUITY COMPANY | $16K | $0 | $16K | 3.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $10K | $11K | $21K | 4.54% |
| HOWARD B. COWAN3 | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $968 | $0 | $968 | 0.38% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $967 | $0 | $967 | 0.37% |
| HOWARTH III, FREDERICK W3 Filed as: HOWARTH, FREDERICK, WILLIAM | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $35K | $17K | $52K | 22.45% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10016 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $0 | $4K | 1.53% |
| USI INSURANCE SERVICES LLC3 | 300 EAST MAIN STREET, SUITE 1300 NORFOLK, VA 23510 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $241 | $0 | $241 | 0.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $230 | $0 | $230 | 0.10% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK, RANDALL, WARREN | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $92 | $37 | $129 | 0.06% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $93 | $93 | 0.04% |
| PECK FINANCIAL SERVICES INC3 Filed as: PECK FINANCIAL, INC. & OTHER AGENTS | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $51 | $51 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 7.85% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $5K | $5K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 1,852 | 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) | 1,852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 111 | $3.8M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,130 | $2.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,667 | $86K |
| Life insurance(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,852 | $2.5M |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 189 | $1.0M |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,911 | $4.3M |
| Prescription drug(3 contracts, 3 carriers) | EMBLEM HEALTH | 111 | $2.5M |
| Other(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,852 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,130 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.