| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $199K | $0 | $199K | 1.67% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, INC. | 135 CROSSWAYS PARK DRIVE SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | $0 | $99K | 0.83% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, INC. | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $18K | $26K | 2.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.15% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, LLC | PO BOX 9017 WOODBURY, NY 11797 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.80% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $40K | $36K | $75K | 58.36% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 55 BROADWAY STE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $22K | $2K | $24K | 18.65% |
| 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 | $4K | $4K | 2.96% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 950 PENINSULA CORP. CIRCLE SUITE 1000 BOCA RATON, FL 33487 | PACIFIC LIFE INSURANCE COMPANY | $32K | $0 | $32K | 26.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 707 WESTCHESTER AVE WHITE PLAINS, NY 10604 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $1K | $0 | $1K | 5.39% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, INC. | PO BOX 9017 WOODBURY, NY 11797 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $732 | $0 | $732 | 3.82% |
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 | 635 | 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) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,524 | $11.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 565 | $916K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 565 | $916K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 641 | $1.7M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 641 | $615K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 641 | $1.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,524 | $11.9M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 641 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,524 | — |
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.
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.