| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 1.45% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 0.92% |
| RANDALL WARREN PECK3 Filed as: RANDALL W PECK | 7100 W CAMINO REAL STE 403 BOCA RATON, FL 33433 | PACIFIC LIFE INSURANCE COMPANY | $43K | $0 | $43K | 18.19% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIR SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $8K | $24K | 24.54% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $2K | $2K | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST SUITE 1304 NEW YORK, NM 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $906 | $665 | $2K | 1.63% |
| RANDALL WARREN PECK3 Filed as: RANDALL PECK | 950 PENINSULA CORP CIR SUITE 1000 BOCA RATON, FL 33487 | PROVIDENT LIFE AND ACIDENT INSURANCE COMPANY | $8K | $5K | $13K | 49.91% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACIDENT INSURANCE COMPANY | $0 | $807 | $807 | 3.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 707 WESTCHESTER AVE WHITE PLAINS, NY 10604 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,560 | $14.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,444 | $906K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,444 | $906K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 679 | $794K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 679 | $680K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,560 | $14.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 679 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,560 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.