| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 950 PENINSULA CORPORATION CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PACIFIC LIFE AND ANNUITY COMPANY | $51K | — | $51K | 6.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVES, LLC | PO BOX 3716 NORFOLK, VA 23514 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.95% |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.98% |
| HOWARD B. COWAN3 | 530 FIFTH AVENUE, 14TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 530 FIFTH AVENUE, 11TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| NORTHWESTERN MUTUAL LIFE INS CO3 Filed as: NORTHWESTERN MUTUAL INVESTMENT | 611 EAST WISCONSIN AVENUE MILWAUKEE, WI 53202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $73 | — | $73 | 0.02% |
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 | 1,538 | 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) | 1,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | PACIFIC LIFE AND ANNUITY COMPANY | 1,538 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,538 | — |
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.