| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CJR BUSINESS ASSOCIATES, INC3 Filed as: CJR BUSINESS ASSOCIATES INC | 301 FIELDS LANE SUITE 201 BREWSTER, NY 10509 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 1.30% |
| CJR BUSINESS ASSOCIATES, INC3 Filed as: CJR BUSINESS ASSOCIATES INC | PO BOX 299 SOMERS, NY 10589 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.68% |
| DIRECT ACCESS GROUP BENEFITS, INC.3 Filed as: DIRECT ACCESS GROUP BENEFITS INC | PO BOX 590 SOMERS, NY 10589 | SUN LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 10.94% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $591 | $7K | 22.59% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORPORATE CIRCLE SUITE 1000 BOCA RATON, FL 33487 | EXCEPTIONAL RISK ADVISORS | $3K | — | $3K | 23.00% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL GROUP | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97290 | EXCEPTIONAL RISK ADVISORS | $367 | — | $367 | 3.00% |
| DIRECT ACCESS GROUP BENEFITS, INC.3 Filed as: DIRECT ACCESS GROUP BENEFITS INC | PO BOX 590 SOMERS, NY 10589 | UNITEDHEALTHCARE INSURANCE COMPANY | $596 | — | $596 | 9.15% |
| EMERSON REID LLC3 | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $353 | — | $353 | 5.42% |
| RANDALL WARREN PECK3 | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $859 | $3K | 69.54% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $172 | $172 | 3.98% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | FIRST UNUM LIFE INSURANCE COMPANY | $741 | $59 | $800 | 27.20% |
| RANDALL WARREN PECK3 | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $847 | $339 | $1K | 68.95% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $68 | $68 | 3.95% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 218 | $1.3M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 140 | $75K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 140 | $72K |
| Long-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 140 | $85K |
| Other(5 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 140 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.